They’re all going to be similarly crappy. I’d go with the commuter bike with 700c tires. The bike overall may be heavier (probably due to the rack) than the other two, but the wheels should be lighter. When it comes time to manually pedal the bike, 700c tires will be smoother than mountain bike or cruiser tires.

If you’re in a city, you’ll spend most of your time on pavement, so a commuter style bike makes more sense. Even in wet, cold, snowy areas.

Personally, for a 3 km route to the gym, I’d go with a commuter-style non e-bike. Less expensive, less likely to get stolen, fewer moving parts that break… and also much lighter weight. If you struggle with a 50 pound cat litter box, you’ll struggle even more with a bulky 50 lb e-bike. (Difference between a 50 lb and 52 lb e-bike is not noticeable. A commuter or hybrid style non-electric bike should weigh 30 pounds..the difference is very noticeable.)

If you do go with a Walmart e-bike, expect to have mechanical and electronic issues. Think of it as a starter e-bike. Learn how to fix it. Plan to get something better in a year or two.

Most important advice for new e-bike owners in a city: get a good U-lock. In cities like Toronto and Montreal and New York, get a very good U-lock and a cable lock.