That definitely helps, but the difference as you mentioned is rural areas, plus the protective equipment you wear on a dirtbike which I doubt you want to equip everytime you ride your ebike, as I imagine it'd be your main mode of transit.

Urban streets have far more conflicts and things you learn to be on alert for or pay attention to than rural roads, night and day difference. Especially on 2 wheels. It's an acquired balance of staying cognizant of your surroundings, other drivers whom often don't expect, see, or look for 2 wheels, and how you are perceived and expected to act by other road users.

Defensive riding techniques are mandatory as a vulnerable road user, just as much as practice & confidence. I often see inexperienced ebike riders, teens, riding on the sidewalk at speed. Drivers turn across or pull out over these sidewalks, often at spots with bushes, trees, fences, or other obstacles preventing eyesight until the last moment. This is just one example of unconfident or inexperienced riding behavior that can lead to serious injury, another is hugging the shoulder on a road without a bike lane, or going the wrong way in a bike lane.

It took me a year to truly figure it out when i began riding a regular bike in the streets at 14. And i know now 100% at 21yo that my 14yo self would have absolutely no business learning that on a 28mph+ ebike. The lack of confidence & experience, risk of bodily harm, and immature brain with those capabilities is a recipe for disaster.

You could probably start with a 20mph ebike at your age, but be very very careful on the streets!