Steve I can tell you about mine and grouchy has the kind you are talking about. I expect he will chime in.
I have the hub motor it is 24volts 250watts no gears at all. At this time I weight 220lbs naked but I seldom ride that way. I tested my 250 hub motor today pulling 30 lbs of trailer. I'm sure that all of us together went 250 easy.
It pulls great on the flat. Does beautifully going down hill. Gets me up the slight inclines with no pedaling needed but good to get the speed up.
On moderate inclines I pedal even though the bike would crawl up them. On steep inclines I pedal seriously. I haven't found one yet I couldn't get up, but it is with some effort.
I also have balance problems and big time ones at that. I found that riding a bike actually improved my balance. The small trailer that I pull these days also helps to stabilize the bike.
I would say wait for grouchy but if your topography isn't all hilly like mine is the 24volt system should work for you but alas bigger is better for sure up to a point anyway.
Good luck steve. These bikes are good therapy both physical and mental.
The ebike challenge of the day. Charging four batteries with one 12 volt charger. I have a 24volt on the way, I just don't have it yet so I wanted to recharge the batteries after the tests.
I think I learned one thing. I can charge two at a time without rearranging the wiring. That is a very good thing. If I hook to one battery wired parallel the charger does both of them. I have two sets of two batteries parallel then each set is wired to the other series. Four batteries to give 24volts.