>>1823542Here's the relevant gearing recommendations from the Shimano dealers manual. You could probably work backwards to figure out how much torque they're expected to handle from these numbers, or if you really cared you could call Shimano and ask if they have a specified value that's not published.
>>1823546$3000 will get you a lot of bike, a top of the range hybrid or basic e-bike from most brands or a decent gravel/all-road bike if you want something with drop bars. Frankly your request is so vague it's hard to know where to start. Like previous anon said, since you've got money burning a hole in your pocket just go visit your local bike shop and test ride some bikes and buy whatever appeals.
>>1823530By risk averse I had in mind two things: the kind of sports that boys and girls are encouraged to play as kids and the hobbies and activities that adults of each gender are socially encouraged to engage in. And second, women in tight-fitting clothing in public get a very different kind of attention than men, and that's uncomfortable and potentially threatening.
