The point of YAGNI is that you shouldn't over-engineer up front until you've proven that you need the added complexity.
If you need vector search against 100,000 vectors and you already have PostgreSQL then pgvector is a great YAGNI solution.
10 million vectors that are changing constantly? Do a bit more research into alternative solutions.
But don't go integrating a separate vector database for 100,000 vectors on the assumption that you'll need it later.