I'm not an expert, but I've heard that Rad bikes are good for their price, and they have been touting the safety of their batteries. (Rad is not the cheapest, but is not as expensive as the high-end bikes.)
I wanted a cargo bike to transport my kid, and I wanted a mid-drive since I'm told the motor assist on that type of drive feels more natural. So I went with a Tern.
I had a rad mission that was pretty good. They don’t sell that model anymore. Rad bikes are pretty chonky though so not really good for apartment living imo.
Saw this idea in Taiwan about a decade ago, but it was a more proprietary setup. The batteries were cylinders with a handle on the end. They locked into place in the charging shelf so no cabinets were needed. Full size scooters needed 2 batteries.