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Hm, rain is pretty rare here and snow is almost out of the question, so those advantages don't really apply for me. Using the bike as is is definitely the cheapest way to go. Then I can consider converting to discs when the rim wears out since I'll need to buy a new wheel anyway. I guess we'll just see how long that takes.
I'm for sure going to go with a quality battery like a Ping. 48v 15Ah like yours should be plenty. I could probably get away with even less Ah because I could charge at least for an hour between most of the ~5 mile trips, but I want to keep the battery at a discharge rate its happy with. Even if the battery needs replaced every couple years, I'll still be cheaper than just the gas for the Insight.
I'm going to keep doing some research on the motor, but I'm really leaning towards the ebay ones. I just can't quite justify the higher price for the others. If the total for the MP3 was a little lower I would probably go with it, but there isn't enough to make it worth spending almost twice as much (again, in my opinion).
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