When I bought an e-bike for my commute I decided to splurge on one with a belt and I regret nothing. You spend less time messing with it and the bike is a lot nicer to work on when you don’t have to worry about getting grease all over your hands. If I was to buy a regular bike I’d see if something with a belt was available within my price range because I like it that much better.
Mind you, I had that bike for less than two years at this point. I don’t know how a belt behaves in the long run.