This is a tough question to ask as you can look at it in several different ways. For starters, you should know that you do not have to spend a fortune on a new cargo bike. While you certainly can shell out thousands of dollars for one it is not necessary to do so.
But, if you almost want this new bike to replace some of the stuff you do with your car then you will definitely want to get your money’s worth. At the same time, you can end up wasting your money if you feel you will not use the model you buy enough.