I do deliveries for Uber Eats on a bicycle for at least 6 hours every night so I've learned stuff.
It does depend what you want to do on your bicycle.
My biggest tip would be don't buy a pre made bike. They're overpriced and most will be useless if your battery goes flat. You want a bike you can still ride when that battery is out. It's not always about the battery range. There's human error (thinking you've charged the battery when you haven't, having to ride further than you expected etc).
Many of the standard e-bikes are really heavy and totally crap to ride without the electric assist.
Also what is your plan for maintaining your e-bike. E-bike mechanics are ridiculously expensive compared to the price of the bike so any maintenance is going to blow the real budget of your bike to hell.
You're much better off buying a really high quality used bicycle and putting a conversion kit on it. The easiest conversion is a front hub motor (basically you just have to change the well, mount the battery to the drink holder nuts and mount the throttle. It is very basic if you don't bother with the pedal sensor and just use a throttle).
Once you've got your first bike set up and you're happy I'd recommend buying a second conversion kit...then you have spare parts for everything when something fails or has a problem. This is my go to kit. 26 inch front wheel hub motor There'll be something similar in the USA you can buy...
https://www.ebay.com.au/itm/124792382152?hash=item1d0e34a2c8:g:ndQAAOSwUzlhOEjM
Having 2 used bicycles that you convert is also a great idea. Even high quality used bicycles are really cheap. A good bike that retails at $800+ you can usually pick up for less than $200.
A conversion kit (wheel, battery, battery mount, wiring, throttle etc) you can usually pick up in the $500 to $700 range.
I'd recommend getting bigger tyres and using tannus tyre armour inserts in your tyres. Those with thornless tubes should ensure you never get a puncture and even if you do you can still ride at 10km/hr. That should cost you around $100.
Instead of buying a carrier it is often cheaper to buy a second hand bike that has a good carrier on it (you can often pick a whole bike up with carrier for $50 or less). You can give the bike away after taking off the carrier or keep it for spare parts or as a spare bike.
When you're buying bicycles choose a standard size wheel for any bike you buy (eg 26 inch) and stick with it. That way you'll have spare parts you can use for all your bikes. The easiest type of bicycle to convert (and one of the best multi-purpose bikes) is a hard tailed mountain bike (they have suspension on the front...not on the back).
So 2 bikes at under $1,000 each. If you have to repair one you'll have the other ready to go.
You'll also want really good locks. A U-lock with cable that is tested and rated by Sold Secure as Gold or better. Always lock your bike.
Think through how you're going to maintain your bike. Learn to do basic maintenance yourself but you will come up with problems that are beyond you so it's either just replace it (that's often the most cost effective route...buy a bike second hand that has the part you need and put it on) or find a local bike mechanic (that gets really expensive really fast).
To put this in context my main bicycle is an Orbea mountain bike which cost me $120. In the last 3 months I had a few issues that I had a very economical bike mechanic using used parts repair that cost me $250 total.
I make good money and he's a young guy so I don't mind paying it but I could buy another solid, name brand used bike for that. With bicycles it's nearly always cheaper to buy second hand bikes and chop and swap than it is to pay a bike mechanic.
Also learn basic skills like cleaning and oiling your chain, adjusting your brakes etc. There is no economy in paying a bike mechanic for these things.
If you want to carry a lot of heavier gear consider a trailer. Hanging heavy gear on a bike makes it hard to ride, hard to park, and can be quite unstable and dangerous if you don't balance it perfectly. Panniers are great for carrying light stuff...but it takes a lot of skill to ride safely when they have a heavy load. Add a wet, slippery road, manhole cover, mud etc and the bike will just slide out from under you.
You can pick up good bike trailers very cheap second hand. A quality trailer that holds two children you can usually pick up in the $60 to $120 range and it has a cover to keep your load dry. Or there are other trailers you might get for as little as $20 second hand that will do the job. Again it depends what you're doing on your bike.
One basic tip...buy all your bicycle stuff second hand (buying a whole second hand bike that has what you want on it is usually the cheapest option). And buy your electric motor, batteries etc new. Second hand electric gear is beyond the capacity of most people to maintain and fix.
I hope I've given you some real world information here.
People rabbit on about the watts of the motor and the size of the battery. It's mostly bullshit. You can carry an extra battery and swap them over if you need to. You can also carry a charger. Size of the motor is only an issue if you're carrying large loads up big hills.
What's far more important is the quality of the actual bicycle you're riding (not the electrical parts...the actual bike) and how you're going to maintain the bike.