Doesn't that mean you're carrying 2X the mass of batteries you really need? (for range)
Not necessarily. The high C rate penalty isn't that bad these days. In fact it can be nonexistant or close to, with tabless cells.
With batteries improving as fast as they are, I don't see the point in overbuilding a pack in order to get ten years of use out of it. Five, sure....and then replace it with something better and cheaper.
We gained 80whrs/kg in the last 12 years. Just enough to warrant a technological upgrade. Batteries that are available to the DIYer are 280whrs/kg today. Historically, it's a bad bet to assume that the rate of technological advancement would be high, because it never has been.
I think a 10 year horizon is reasonable based on that. I'd also like to create less e-waste.
Another thing you get when you overspec the C rate is resistance to cold, lower voltage drop.
If you can dump any heat (there will always be some heating on charge/discharge) effectively, the batteries will be happier. Why do you think that essentially all electric cars have active battery cooling?
All electric cars have active battery cooling because they follow a range maximizing design at the expense of added maintenance cost, lower efficiency, and higher complexity. I don't agree with this design because the useable lifespan of the battery would be much lower than it could be, due to aging affects on a high IR cell. And you've got other crap to fix down the line.
Ebikes are weight, complexity, and cost minimizing designs. All attempts at selling cooled battery packs have been a failure so far.
Another thing that an ebike doesn't have to deal with that a car does is extreme temperatures exacerbating the problems that come with super large battery packs - IE the cells in the center are the ones cooking - which reduces the thermal headroom your pack has a lot, therefore to get more thermal headroom, you add liquid cooling, just to cool those cells in the center and prevent them from going thermal. Otherwise you need more like an 8x or 10x multiplier on the C rate, which with the technology of the past, would reduce range.
We may see air cooled batteries in cars though when we get tabless technology into cars. It's feasible to make a pack with super low IR, use a fraction of it's output capabilities, and never see enough heat to warrant liquid cooling. I'd very much prefer such a battery.