I want a cargo bike for obvious reasons but also so I don't have to buy a second car for the snowtime. I'm fine with suffering through the cold and muck but even with spikes the freeze-thaw mooncraters are simply not doable on 2 wheels.

Unless you buy something really expensive, i.e. "could buy and keep a beater car running for quite a while" money, so many of them are limited to 100kg on the seat. I get they're all unisize and there's quite the leverage on the seatpost going on due to this, but fucking 100kg MAX? That's well within "normal" BMI weight for tall people and not exactly terrible far off if you pack on a few pounds. or like want to use a backpack.