We have 2 kids, no car. Maintenance is ~200-250 year in shop, 60-80 when done yourself. Insurance is around 4-7EUR/mo. Every year we do the 'how much a car for the same use costs' and it's an order of magnitude more. We live in suburbs, long distance (>10km) is mostly by bus or train. Groceries are fun with the cargo.
The most annoying PITA stuff are:
- theft. I worry a lot and have to fix the e-cargo on a fixed point everywhere. It's not always easy to find a good parking spot. But we got a long motorbike chain and you get used to it. Get insured though.
- flat tire, in the middle of nowhere... You gotta be prepared and either have a spare 'flat' tube or do the quick repair on the wheel, cause the back wheel is hell (for me) to handle. After a bad experience, now we have the kit (xiaomi portable compressor for <50eur, some spare tubes, some gluestuff, and the right strategy) always handy.