Eh I usually go around with my non-cargo and non-ev bike and it solves around 90% of my mobility problems. The rest is unfortunately up to the car since going to office means 2 hours of train + tram + walking but by car it's around 35-40 minutes including finding a parking spot. And then there's the occasional very large and big item (like furniture and tools) that I need to bring around and my car is sometimes not big enough for that, forget about a cargo bike.

I'd rather rent a car when I need it, but it's around 120€ per day, max 100km, plus gasoline and it is unpractical because you don't know of there are cars available. Once I needed to bring a big table and it was cheaper to hire a moving company for a couple of hours than renting the big SUV and do by myself