It depends on whether you use a lot of common code through libraries or services. If you use libraries that you need for different versions, it's easier to separate them and use git submodules (via git slave, if you want). If you need libraries that will be the last for all projects (because they access the shared data store), you can be fine with one repo.
It might be easier for individual repositories to control access, but the hitolit is great because it can limit the branch and much more.
You can later join transplant repositories and transplant stories together through "git rebase --root --onto branch1". Or you can split one into many using git filter-branch.
So I wouldn't sweat too much. You are using git for some reason. You can change your mind later and save the story.
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