agree with larry, if you dont need a folder the compact bikes ride better
the biggest advantage to me of a folder is the ability to put in a small car- uber if i have a problem with the bike or need to get to the shuttle etc
but most of these folders weigh as much as a full size bike, 50lbs so they are bulky to move folded
in my experience the folders are not super quick to fold up
unless you need to have a small enough footprint to put inside a little closet i think folding and unfolding once or twice a day would get to be a pain and you might end up not folding it much anyway
i have a haibike radius tour which is for sale by the way- but originally did some math before i bought it against some full folders and with the front wheel off i think the difference was maybe 8-10 inches in length
so in theory i can get it in a compact car with the rear seats down
not sure if that helps much
dont know about the tern hsd other than they are nice bikes
i just bought a folder that is a little lighter off bikesdirect.com
the motobecane ef3
will be writing up a review on it over the next week or so
i think a tern would be better for you commuting because of the integrated lights, rack, fenders etc
they may can be added to this motobecane bike easily i dont know but the cost would probably put you close to a tern and the tern will have better customer support than an online bike company
also not sure which bosch motors come on the terns but they may have more torque- the tern with bafang motor has double the torque of this shimano bike i bought
i bought this because of the 3 inch tires that i hope to use for friends to ride offroad occasionally and hoping with the battery off it weighs 38-40lbs for moving folded- this is one of several bikes for me and not a commuter