I confess that I'm a bit of a Luddite when it comes to cycling innovation: I think most of what passes for "innovation" lately is just the industry trying to come up with new stuff for cyclists to buy, and a lot of the supposed innovations mean very little in terms of performance. I still use 26" wheels (I ride technical trails and big wheels just feel clumsy) and a 2x9 drivetrain. A few years ago the industry was saying everyone has to be on 2x10, now they all want us to go 1x11. I think they are just trying to sell stuff.
I don't get the whole fatbike thing at all, unless you ride a lot on snow, which most people don't. In mud they will be a liability: you'll sink in anyway and have to plow all that tire through.
I can see how motor assist would be useful to people who use a bike as a tool, as would be the case in any military scenario. No interest in using it myself: the whole point is to do it myself! I have to wonder about the durability and maintenance issues, though, another consideration for military use: you'd have to have bike mechanics along wherever there are bikes.
Putting a rack over the rear wheel is complicated with a full suspension bike, because the rear triangle is not static relative to the front triangle, making it complicated to fix the rack to both. With any bike, putting any significant weight over the rear wheel produces a strong tendency for the front to lift while climbing steep hills. A bag under the top tube can work but it has to be very narrow to avoid chafing on the legs. My solution on multiday rides is to put high bulk/low weight items (extra clothing) on the back, high weight/low bulk items like tools, spares, camera in a handlebar bag, and food/water in a small backpack. The key is to keep weight very minimal (10kg absolute max, usually less) and distribute it around the bike. Too much weight in the front, the rear, or high up is dangerously unstable at any speed.
Suspension, tires, and bakes have some impact but do not change the fundamental problem of trying to carry a large load on your back while riding a bicycle. A backpack works while standing straight up by shifting the load to the hips. On a bike you're leaning forward, so the load goes onto your lower back, not the best place for it to be. Plus at any speed inertia comes into play, which means that when you turn the bike that load wants to keep going in a straight line. The consequences are not always pleasant.
It's also true that while a skilled rider on a mt bike can move fast over quite difficult terrain, this requires skill and a great deal of practice. If less skilled people try to do it, especially under large loads, accidents and injuries will result. Adding mt biking to a training rotation would probably be fun, but I'm not sure how practical it would be!
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