I was very pleasantly surprised at how much my single cargo e-bike can handle. It is big, nearly the size of a tandem bike, but it served me well for 5 years of not having a car.
Curious about your maintenance needs. I have a guy that comes out once a year for service and tunes it up for me. After 3 years, I replaced the chain. I've upgraded to hydraulic brakes by the same guy. Other than that, it's been smooth riding. Or are you saying your EV needs so little maintenance that even the low maintenance on a bike seem high?
Maintenance should be amortized. The first time you do brakes and tires it will cost more than 5+ years of ebike maintenance. It adds nothing to the conversation to pretend otherwise.
Also my e-bike needs more maintenance than my EV. Go figure.