I would side with Robbie on the seatpost, if we are voting. Much better situation with another inch or two. Will it be ok? I don’t know for sure but if it were my bike, I would always worry about it, and what fun is that?
Nice solution with the t-nuts. For the record, they are a very different fastener than a rivnut, which draws in on itself like a wall anchor to make a permanent attachment point.
Nice bike and one heck of a grocery getter.