OK, I re-did it and got a different answer...
48v X 10Ah = 480wattHr X 80% = 384/20=19.2 miles per charge.
48v X 15Ah = 720WattHr X 60% = 432/20=21.6 miles per charge. "Supposed" to last 2.5X longer so.
48v X 20Ah = 960wattHr X 40% = 384/20=19.2 miles per charge. "Supposed" to last 4X longer so 4.0 48v 10Ah batteries.
OOoops...

It works out to
2.5=2.8 X $382=$1069.60 instead of $533, is going to be 50% cheaper with the 15Ah battery used 60% capacity.
4.0 X $382=$1, 528 instead of $658, is going to be 57% cheaper with the 20Ah battery used at 40% capacity...