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Weight limits are a really hard thing to judge for manufacturers, especially when it comes to cargo as the weight distribution can vary so much. Often, the frame can be super solid and tested for high weights, but unless you find a reliable supplier of a fork that can take the braking loads of 200kg low-slung mass then you have to reduce the approved weight of the whole bike. Same applies to stem, handlebar etc etc. Same with racks, the tests are quite harsh, so speccing a weight over 25kg and taking responsibility if a kid is injured is a huge liability most companies aren't willing to take on.
In almost all cases, if you ride the bike sensibly then you can get away with a much higher weight than the specs allow. I've seen 4 grown men on a bucket style cargo bike and it held up just fine. I believe R&M started with a kids 20" Suntour fork on the front of their bike, Suntour have updated it to be Cargo ready now, but I haven't heard any reports of the original ones being a danger in reality.
Take a look at the Bergamont Cargo models, they do an LT which is similar to that Multicharge.
Looking for a family-shared ebike that could carry 2 children in a pinch (total rider/passenger weight pushing 140kg) and I am surprised to see that most are really not rated for that kind of weight. Obviously, we could go full cargo/longtail and get a Tern GSD, Surly BigEasy (if we can find one!), a Riese & Muller Multicharger, or something with a big box, but these just seem less versatile for other riding (a normal cycling day out, where the older child cycles independently/on a trail-gator). Also it seems like we'd get a lot more for our money for a "regular" bike around £2.5k than the other options that are at least £3.5k.
I would normally be slightly dismissive of the max weight loads, but it's the little ones, and I would probably not be the main rider (I can also take both children on my own non-ebike if necessary), and to be honest I just don't understand how a bike like the Orbea Keram SUV 30, which is ostensibly meant for this sort of thing, can only support 25kg on the rear rack!?
In writing this, I think I have basically convinced myself what I really want is the R&M multicharge, but I just don't want to spend £4.5k.
Any advice on options I haven't thought of (or something I am missing on the weight limits)?