Re: couple of questions
I recently sold my personal bike (The Pig)with over 10k miles on a stock china girl with a pipe installed on a POS Next bike. That thing was ugly, cheap and as basic as it gets, and I loved that POS ^%#&^(bike! The only reason I sold it was because I finally found my favorite frame.
The china ht's can be extremely reliable if you take your time and don't expect to go flying around with traffic. Mine has never once left me stranded due to engine failure.
(Flats are a different story.)
If more is better, then too much is just enough.
If you can't afford it, build it yourself.