Questions: Casual Rider. Mostly on paved surface.

Is the front suspension really a difference maker considering the 4? tire?
Non hydraulic brakes vs  Mechanical? for paved surfaces, but very steep declines
Will the Expand fit the Hollywood rack?
Or do I just consider the RadRunner Plus for $300 more ?  I don?t need to fold the bike.

Rad is trying to make $ off their brand strength. Won?t last long. I?ve been researching to purchase a 20 inch bike. Lots of brands?with better specs and prices. Brand means nothing after the short warranty is expired.