In-wheel motors are typically more efficient, since they lack and gear friction, etc. The solar car Stella has in-wheel motors that are ~98.4% efficient (IIRC) though they are low torque at ~14ft/lbs. Unsprung weight is the main issue with in-wheel motors. SIM Drive is another in-wheel system with impressive efficiency.
I think that regen is mostly related to torque, and to battery charging rates. The FVT eVaro had 100% of it's active braking power from regen, though obviously, it could not have all that put back in the battery. My guess is that this would be limited by the losses in the motor(s) and the charger and in the battery cells, and BMS if used.
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