Terns don’t seem to hold their value as well as (say) a Brompton, so it makes sense to hold out and see if one comes up s/h.
When I work away I use this Tern Link, it cost £175 s/h and has proved an excellent travel companion.
whilst I would hesitate to recommend that anybody exceeds the manufacturer‘s recommended max weight limits, I am 100% sure I have been over the maximum on this, with two panniers and me on board, without issues.