We are coming up on 6 years of owning folding e-bikes. I still ride almost every morning. At the time, looking for a fat tire folding e-bike, there was a choice of one: SSR Trail Viper. Now, they are everywhere you search (Google folding e-bikes).
We used reasonably light-weight folding bikes on Wild Blue and found them very handy and comfortable (don't get the smallest folders, get what fits you). Bikes or a dinghy when cruising? The obvious answer is: both; they serve different purposes... just like you need navigation AND communication equipment when cruising.
Our current folding e-bikes wouldn't be the best on a small boat (not what we used on Wild Blue) - the Trail Vipers are at home on trails and bike paths. Folded, we can fit two of them in the back of our small SUV; but they would take up too much room in the cockpit of a C-Dory. Look for a "city folder" to take on a small boat.
I've joked with Pat about this: our style of cruising wasn't about finding places for our dog to poop (we don't have a dog). The boat was a conveyance to take us to interesting places to explore, whether cool cities or quiet natural areas. We spent 6 weeks on the Erie Canal and Hudson River; Pat spent 3 days. Different strokes. The bikes allowed us to get more than walking distance from the boat to see what each small town along the way was all about. We found them invaluable.
There seems to be a misunderstanding about
e-bikes... some people think the bike does all the work (I often hear "that's cheating" when riding my e-bike). That's not the way most people use an e-bike. The pedal assist on mine gives me a consistent workout, no matter the wind direction or terrain. I have never used mine as an "electric scooter," although some do. I have used the throttle to move out faster when an unknown dog approaches, barking and snapping. I have used the throttle to get started when on a steep incline. I don't "commute" on mine, although some do. It doesn't replace a motorcycle or a scooter for me.
What we used on the boat...
What we have for e-bikes...
Both folders, but a significant difference in weight and capability.