They're conservative with the weight ratings for liability reasons. I wouldn't fuss about going ~20% over, but your risk tolerance may vary.
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Like a tricycle?

something like this, yeah
Ah I think I've seen one but they're probably not common cause they don't handle hills well
Urban arrows (and similar) are more common, but it sounds like you're not looking to splurge that hard lol
there's cheap long johns where I live but that doesn't really cover my "I need to drive this through the snow" need like a 3 wheeler would. It'd suck ass, still, but at least it's doable without me eating shit
Totally makes sense
sounds like CYA to me, the first I thought of was the yuba supercargo and they list the same number
I think that these are generally overbuilt, and the 100kg (220lbs) limit is an overly conservative rating for liability reasons. Generally speaking, there's an absolute dearth of options for front-wheeled cargo trikes. Maybe look at some of the aliexpress options? They're a lot cheaper, but I have no idea if they're good or not.
I tried a tadpole trike in the winter years ago, and ended up selling it during the springtime. There was a lot of extra rolling resistance through the snow (since you're cutting three paths instead of one), and it felt weird whenever I lost traction. It gave me a lot more appreciation for how much control over your own stability you have on a standard bike (more than you'd think).
I wonder if a delta trike (cargo and the two wheels at the rear) would be a good compromise? Same stationary stability, although not as good in turns.
Urban Arrow goes up to 125 kg I can't find it right nu but the Larry VS. Harry bullit tales something like that too if I remember correctly.
if you're diy minded you could replace the front wheel with a ski and/or the back wheel with snowmobile track and have a lot of fun in a straight line
If balance is the issue in winter, could you just add training wheels? Then you could pop them off in the summer.