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As people have said, if it’s a combi with no cylinder or storage tank then no, it’s all upsides. Combis are often set far too high, to the point they’re not even condensing to recover the heat from exhaust gases, they’re much more efficient at lower temps. If you can get away with running the heating circuit at 45 then even better.
Even with a tank the risk of legionella for youngish healthy people is very low. A fortnightly half an hour at 60 degrees is probably all that’s needed.
*all info gleaned from HeatGeeks
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You can see why they set them high, especially if there is a water tank. It’s probably ingrained in to quasi-official guidance. Setting them to 65-70 is risk free for the installer. Setting it to anything less means customer education and / or some kind of technical intervention to make sure the buggies get roasted once a fortnight. And that system needs to be reliable as you ain’t gonna notice if it stops working until you get sick.
We been lowering our boiler water temperature to 45 degrees (from 60), and notice no difference beside it taken maybe 10-15 second longer to get hot water.
Is there’s any risk for running boiler at that low a temperature?