I get the feeling you are about to fall into infrastructure oversizing. Your doubts are reasonable, but they also say that you don't have any fact that you need such environment segmentation. At least not yet.
What do you have so far? You have a monolith, which is developed and operated across three environments. They are already provisioned with everything the solution needs to be functional. I can't think of a better starting point to test (and compare) the breakdown of the monolith.
As more services appear in the ecosystem, the more likely you need the flexibility to test different permutations of services. That flexibility is achieved by configuration and parameterization.
Bear also in mind that environments are not mere infrastructure segmentations. Environments are composed of runtime and data. Data on production is often subject to regulatory compliance, so you don't assume easily that "development should use the production services". It's not that simple.
Think also of the costs. If you were to deploy production on some of the well-known public cloud platforms, you would realize how using production services for testing development can wipe your budget in a breath.
Another reason to avoid mixing up environments is metrics. Cross-env resource utilization can invalidate or distort the lecture. It's going to be hard to monitor Production for adaptions if random activity in Development (or other envs) is generating "noise".
As an MS architect, your mind should always be on the big picture. That involves the software but also infrastructure, security, operations, cost-optimization, regulatory compliances, tracking, metrics, business goals, etc.