I understand if your budget is constrained by your circumstances. However let me share my experience. The first ebike I bought had a derailleur system, an inexpensive front shock but otherwise decent components. I found I was riding way more often and further than I could have imagined. I was hardly driving my car any more. But my bum constantly ached and it did not go away, various saddles, and two suspension seat posts later, along with frequent chain and cassette changes, I decided I needed and better bike, with better suspension, internal gearing and belt and better lighting for visibility and personal safety. So getting the right bike cost me more in the long run by starting cheap and then moving up to what I should have bought in the first place. When I sold the first bike I lost only got half the money I paid for it back.
As John Ruskin said about 150 years ago:
"It's unwise to pay too much, but it's worse to pay too little. When you pay too much, you lose a little money – that is all. When you pay too little, you sometimes lose everything, because the thing you bought was incapable of doing the thing it was bought to do. The common law of business balance prohibits paying a little and getting a lot – it can't be done. If you deal with the lowest bidder, it is well to add something for the risk you run, and if you do that you will have enough to pay for something better."
I find the pain of paying more than I planned for the right bike faded quickly and I was left with the pleasure of riding a bike that ticks off all the right boxes every day I ride.