I know you've taken a few jabs on this thread, Alloo, for even posing the question, but as an aging boomer, I know there are certain commonalities amongst us geezers. In other words, it's an excellent topic in my opinion. Moreover, there is an e-bike brand specifically targeted for seniors called "Anywhere Bikes". Their bikes, at least on paper, hold no interest for me, but admittedly their advertising campaign is a clever slice of niche marketing.
While I'm relatively physically fit for a kid my age, I know that climbing over a top tube has become a pain-in-the-ass. In fact, I wonder why the top tube is necessary on any e-bike. Do you really need a top tube on a bike that likely weighs over 40 pounds, and is at least partially self-powered? I can understand the stability argument on a lightweight racing bike, but much less so for an e-bike. Are there benefits of a top tube that I'm missing?