that serious looks like it was designed to carry a surfboard

That one looks like the bike for me. I have been casually shopping for an ebike which can carry groceries but does not cost too much. Do you think 20 mph is fast enough for roads with a 35 mph speed limit and a bike lane, or would it be better to buy one that can go 28?

20mph is really fast on a bicycle. I mean, it is really fast. The brakes are good but like when you buy a Porsche or Ferrari, probably 20% of your purchase goes into the engineering of braking. The cargo bike since it is heavier, if you get going too fast, you might get jacked up trying to stop on a dime. 20mph seems plenty fast for me and I foresee myself averaging 15mph in a peddle-assist mode.

It's easy to overlook what it feels like to stop suddenly from, say just 10 mph. It's the speed differential that kills, not the speed...

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