Yes, that's one of the things that put me off buying them. Definitely not for me on a touring / primary transport bike. I'd only consider a Haibike AM for off-roading - and then only after getting a car to take it to where I wanted to ride it. Expensive luxury probably not going to happen.Half of Kalkhoff range have derailleurs, all Haibikes have derailleurs.
I've had the chain come off mine in the early days after the LBS had had their hands on it. Back on again in about 5 minutes at the side of the road.If the chain comes off or if you have a puncture, hub gears are right pain.
Like many I run Marathon Plus tyres and like some, Protek Max tubes also to minimize risk so hopefully that wouldn't be a regular occurence (touch wood no punctures in 6 months of riding almost every day). But worst comes to worst you can change an inner tube and mend a puncture without removing the rear wheel in most cases. So it's really no biggie.