I agree with you about the fork, and stem, it would be much better with carbon fork. I read about clattering mudguard so you may be right they should have another support, somebody also mentioned they do not have any mounts for bottle cage nor the rack for the luggage which could be handy for a commuter bike. Regarding the torque I am not sure if too much of it is a problem as you can change the riding mode and it may help heavy bike with heavy rider. BMW said they do not service it only motor has to be checked at 15k miles and normal maintenance is to be done at normal bike shop. I like the design and specs for reduced price as similar bikes like Specialized Vado cost almost twice as much and Giant is around £1000 more. I have short commute about 5 miles each way and I don't really need it, but I would like to have an e-bike for those days when I do not feel like pedaling...