Well, slightly off topic for this forum
https://www.bicycling.com/health-nut...ness-benefits/ They also have a review of a Tern folding cargo bike with a rated weight limit of 400lbs.
What they others have said; figure out what you'll want to ride and just do it ;> If you break spokes, upgrade the wheelset, etc ;>
Personally, I'm a destination rider, so I needed kit that I could commute to work and shop with ... ;>