Does the eBike have a monthly payment plus a required insurance policy? The EV still costs way more to own which is the most important factor

Definitely, the car costs more.

But speaking purely in terms of maintenance, costs are nearly 0.

Assuming I don't but a pot hole, the tires will last me 7-8 years at minimum (I drive a bit under 3000 miles a year).

Brakes are barely used with an EV.

Insurance + tabs is my largest cost.

I bought my EV cash a few years back when prices were super low thanks to hertz offloading their fleet.