Even 1 bike per year isn't that bad if you have insurance, car maintenance + depreciation is probably more. Not to mention when your catalytic converter gets stolen.
eBikes definitely help with the topography issues ( Seattle , Pittsburgh ). You still have the sprawl and separated land use patterns in a lot of cities though.
Of course summer commuting in Houston or Phoenix is going to suck no matter what your bike is
Millions numbers of people live in urbanized flat valleys in California (Oakland, San Jose, Redding, Sacramento, Fresno, Bakersfield, parts of LA/SGV/Inland Empire/OC).