John in CR said:....that the 48V version will provide electrical assist for pedaling up to a greater speed.
Right. Which brings us back to the "economy" or "efficiency" thing. If the OP really wishes to preserve as much battery power as possible, it makes little sense to use the motor assist while he can maintain the top speed of 36V setup using solely his leg power. Traveling any faster than 36V no load speed, the efficiency of 48V would sure be good, but aerodynamic drag overcomes any such benefits by a fat margin and makes for a more inefficient ride.
I use this rule when I'm left with low juice in the middle of nowhere:
You basically have to travel a given distance using your power and the power left in batteries. So you just pedal all the time, and should your actual speed drop below your desired speed, you use the assist. This is how you get the farthest.
On a mild downhill, all you need is light/no pedaling to keep the efficient speed. On short steep downhills, you don't pedal at all, instead you activate regen (if you have one) and save your leg stamina for the next section.
On the uphill, of course, you use full leg AND motor power to get close to (but not over) your desired speed. This is the least convenient time to save power, simply because aero drag is still low, and being too slow on uphill section will always result in bigger time penalty than having been "too slow" on light downhills.
I believe this is how the greatest ratio of
RANGE / (Ah * available time)
can be achieved, along with active pedaling.