This is a 49.5cc bike, automatic, top speed of 35mph - all of this makes this a "motorized bicycle" class for Massachusetts. This means: no license plate, no insurance, access to wherever a bicycle can go. As long as I wear a helmet and have a registration sticker, I'm good to go.
I get about 80 miles to the gallon (some folks get 100) and it's perfect for most of my commutes around town.
I use a backpack but am now considering some sort of modified bicycle panier bags for the seat.
(btw this pic is not my bike - but looks exactly the same).