The 20" fat tire bikes you mentioned in your first post have really put like a quarter million or more Americans onto two wheels. They're nice in that you can ride on mud, hard packed sand, or light snow, but you still might fall down. Also fairly inexpensive and rugged. All have plenty of power unless you want to ride at 25 mph with cars.
The tradeoff is the 60 lbs, which you'll have to heft if you try to fold these bikes and put them in a car, They're too heavy for conventional bike racks, so you need to buy a heavy rack to carry them behind your cars. You still have to lift then. You also don't need those fat tires if all you do is ride on pavement, which is why the Lectric Lite XP is popular,
The bikes that Dewey mentioned are not as popular. I have not seen many skinny tire folding bikes when I ride. Here's a size comparison of a fat tire and a skinny tire 2-" folder. Both are mine. There's about a 20 lb weight difference, That shows up in how quick the bikes respond to pedal effort. The smaller wheels have quicker handling, Some riders prefer the more measured feel of the bigger heavier bike,
In any case, I gave the big 20" fat tire to my son. We have four of these unpopular(?) ebikes with small 20" wheels. They can be fitted for smaller riders. My granddaughter, not much smaller than the OP just took to ebiking this past summer.
My wife and I have over 5000 miles on them, Ridden them mostly on pavement, but they can handle groomed gravel.
Just wanted to mention there are big and small folding 20" ebikes. and both have their tradeoffs. We use ours now mostly for travel. It was easier to pack them when we only had a small wagon,
