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Many motors are within the certified '250w' category, but some motors 250w are more than others, certainly in torque. They vary WILDLY. Been on some Bosch hybrid city bikes that can barely move out of their own shadow, and yet the top gen4 cargo/cx line motors really shift, both same category. Shimano is much the same, e5000 is for city bikes only, e6100 does well and is quiet, e8000/EP8 same as top Bosch's in performance, little louder after they've done a few thousand miles.
With a cargo, get the highest torque/NM/lbFt figure motor you can afford. Having dual batteries mounted at all times makes no odds, many carry a second battery in a bag on the bike anyway, then just swap over if you need it.
I thought the legal maximum continuous power is 250W for electric power assisted cycles (BS EN 15194) cutting out when 25 kmh (15.5mph) is reached.