The Raleigh Tristar IE is exactly what you are looking for no fuss no faff and already an e-bike. Whatever kit motor you get is unlikely to be as good as even the TranzX motor they use which is going to be a lot more reliable then a Schwinn conversion. Plus you get warranty and the folks at Raleigh are really easy to deal with warranty wise but luckily buying the Tristar you won't have to because the shop will do that work for you.