I’m 5ft 2inch but have arthritis in my feet and sometimes cant bend feet easily to balance on tiptoe,
If you are serious about having your saddle at what most bike fitters would consider the correct height for cycling, then I can see how not being able to balance on tiptoe could be a problem - however a potential solution that I almost never see suggested, would be to have a dropper seatpost with sufficient travel.
I would also say that 5'2" isn't overly short in the grand scheme of things. I'm pretty sure that there are 'normal' XS womens specific mountain bikes with standard 27.5" wheels that should fit fine - and will take a dropper seatpost.
Something like a Trek Powerfly, or Cube Access (WLS?)
Those are hardtail 'mountain bikes', but you can put mudguards and racks on if needed, and with something like Schwalbe SuperMotoX tyres or similar, you have a very competent 'hybrid' bike if you want.
For steep hills etc, for something like the above , just make sure that you check the motor that's on that particular model you're interested in one of the more powerful versions (like the CX for Bosch, and not say the 'active line' type).