A temperature probe is pretty cheap. Get one as soon as possible, and that is the final determination of what a hub should actually be rated at. Also, not all watts are the same.
For example, 48V X 20A is roughly 960 watts, but...24V X 40A is also about the same. Amps = heat, plus the lower voltage provides less torque, so its more likely to draw the max amps available.
You must also consider the load that is to be applied and how much heat the hub can shed. Lets imagine two identical E-bikes on a medium uphill, but one rider is very skinny and and the other is very heavy. If they both use the same voltage, the variable is how many amps each bike must draw to maintain its top speed (or at least "try to"). The heavier the load, the more amps the controller will draw to try and keep up.
In addition to the temp probe, its a good idea to get a CycleAnalyst, and most controllers will allow a CycleAnalyst to limit the max amps the controller will draw. This allows you to cap the max amps in your system to just below the temperature where it would be damaged, based on the load you are applying on your particular commute.
And as a final note, even if you determine that a 48V hub system that you own can operate at 750W continuously without overheating, but will overheat if loaded with 1500W continuously. You can usually put 1500W through that system for a short temporary load, as long as it isn't for very long.