As stated earlier you arent going to get an ebike without learning about working on bikes. Installing a hub motor involves a bit of messing around with aligning the brakes and a lot of times taking a file to the rear dropout to fit the hub motor axle all the way in there.
For hauling loads I think the BBS is the way to go. I would recommend you get the smallest front chainring you can get and keep the RPM of the motor and chainring as high as possible by using your large rear cogs. I would try to get your front chainring as far inboard as possible so the chain line is the straightest when using the large cogs.
If its a dedicated hauling machine and you really don't care about speed you could swap out the whole rear cassette for a single large rear cog. It would be very reliable but you are never pedaling again above a walking pace.
If it were me I would butcher a rear cassette such that I could only use the 3 or 4 biggest rings and space them away from the hub to keep the chain straighter. I get that this is not avg bike mechanic stuff. You might have to interview a few bike shops until you find one that wont run screaming from a custom mid-drive.
People gear these mid-drives down so they can overvolt them to get the speed back. Ending up with a 3000watt mid drive that goes 25mph on the largest cog with an extreme cross chain angle is going to be brutal on drivetrain parts pulling 400lbs uphill. If you keep the power reasonable and plan your shifts well when climbing with loads I think it could be very reliable.
The point is the mid-drive gives you tons of options. with gears you can make any torque you want. With a hub you get one shot at getting it right. Its like Archimedes said "
Give me a lever long rear cog big enough and a fulcrum on which to place it, and I shall move the world"
Mid drives are hard on stuff but IMO the advantages of gearing adjustability are well worth it. Microshift rear cassettes are super cheap such that you can justify them as a wear item. Maybe carry and extra chain or some quick links with you if being stranded is not an option.
I would probably steer clear of the CYC stuff. Its really expensive and seems to be more appropriate for hotrodders that like to tinker. The Bafang mid drives seem to be the most reliable way to mid-drive.
Again I totally understand that most of this is not beginner bike mechanic stuff but the moment you put a motor on your bike you have left the original design limits of your parts behind.