For touring and eMTB factory middrives are only way to go. Tour needs the extra range that only middrives can deliver. With eMTB is power delivery and most importantly for FS low unsprung mass.
I'm in the midst of planning my first DIY build, and this was my conclusion as well. All of the DIY mid-drives I found had pretty significant shortcomings, not least of which was the lack of torque sensing which I consider essential.
For me though, it has to be DIY because that means I can maintain it myself, just a matter of having the right tools and learning a bit, plus I found that you can improve the efficiency of a direct drive hub system quite a lot with the right setup (FOC controller, torque sensing, slower Kv motors, regen, smaller wheels, etc - it adds up). Plus the only mountainous riding I'll be doing isn't part of my commute, and the paved roads are doable (5-15% mostly).
I need to maintain it myself because I don't own a car, and somehow finding a way to cart a bike 50+ miles to the nearest qualified shop to fix a propietary system is out of the question (I live in the States). Already learned that one the hard way the first time I tried to get into e-bikes several years back.
Cruising and commuting then there not lot in it, comes down to personnel preference. Middrives can be lot lower maintenance commuters especially with IGH enclosed chain cover or belt drive. Most of hub commuters need to be rear hub motor with derailleur.
Granted I'm still waiting on parts to do my first build so take this with a grain of salt, but from my experience with riding and maintaining regular bikes my whole life (I don't own a car), more moving parts always means more maintenance.
Mid-drives have the most moving pieces and single points of failure of any ebike motor setup, and it makes the drive-chain a single point of failure. Using a high-end system like Bosch will obviously mitigate that a lot, but the same is true for high-end hub bikes like the Stromer. IGHs can be used with front hub setups as well.
As a side note, I'd rather have a derailleur than IGH, despite the derailleur obviously needing more maintenance: I can fix or replace a derailleur easily myself, I can't do that with an IGH.