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@cmyj
Note on 'sealed for life' items – my Enviolo hub failed at 700 miles at the bottom of a steep hill with two kids on board, 5 miles from home. Just about managed to ease it home where it completely seized.
I then got ETA Rescue cover, which offers bike recovery. For a cargo bike transporting kids outside a city, I'd say it's essential. https://www.eta.co.uk/bicycle-insurance/cycle-rescue/