You are of course right, although I do have a small obsession with having back up capability.
I do however also mend stuff and just as importantly use them a lot. All the electric bikes I have bought (3) are in good working order. My first Oxygen is on its third motor, and the Haibike had a new motor fitted under warranty free of charge by the dealership I bought it from right at the end of the two year guarantee.
I was just pointing out that a replacement brand new battery for my Haibike is eye wateringly expensive, in the Haibike 4 example above it accounts for close to 40% of the purchase price.
Also the connectors broke on my Yamaha battery and the dealership could not fix it, so I had to do that myself, but as a consequence the connectors on my battery and charger are not Yamaha ones and if I bought a spar battery I would have to immediate open it up, voiding the warranty, to fit different connectors or buy another charger as well.
https://www.pedelecs.co.uk/forum/threads/yamaha-battery-charger-problem.31092/#post-434202
The Haibike 4, is their cheapest hard tail, and my own 2015 version in crank drive ebike terms is getting old, now over 12,500 miles on it.
It has also just about bought itself in the cost of petrol I have not had to buy for my car getting to work and back, but the money saving aspect is less important than the fun and exercise.
I do in fact have two almost identical old rear hub Oxygen electric bikes that I use on the road, but the second one I bought second hand for just £100 and was initially to provide spar parts for my old original one, but turned out to be in such remarkably good nick that I now use it to ride to work and back on the road (20 mile round trip) when I am setting off to work in darkness and do not have the time to enjoy my very nice off road route (Shift worker). I am getting close to having 1.500 miles on it now using its original circa 2011 battery.
https://www.pedelecs.co.uk/forum/threads/the-tale-of-a-£100-second-hand-electric-bike.33079/#post-467114
Yes I have a spar car which I bought for my son and daughter to pass their tests in and when my son recently passed and we insured him to drive it as a newly passed driver, it turned out cheaper to keep the reg doc in my name and also have me as a named driver.
I might have a third sorned old mercedes car on the drive gently rotting. Yes you have a point and I obviously need counselling.
Extra houses over the last 30 years down here in the affluent home counties would have been a very astute investment but landlords are hated so no comment.