Go to your local bike shop and buy why they sell/fix. Cheap bikes are often not worth fixing and so cost more in the long run. At your local bike shop you will find experts who can sell you something good. Sometimes the staff isn't friendly, go elsewhere, there are other bike shops. Yes you do eliminate 90% of the possibly choices with this route, but there are still plenty of good choices left.
Consider a bike trailer instead of a cargo bike. There is no right answer for everyone, but I personally like the trailers I have.