I keep my water heater as high as it will go, water is 155 degrees often. It's a bit cooler when I have not ran the water for a while. But when I wash dishes they flash dry, and if I choose to take a long shower the hot water lasts a LOT longer as I need less of it. Either I have an efficient gas water heater of my gas rate are low, but my summer gas bill with gas dryer, gas cook top , gas grill, gas water heater is $20 ish.
Both my Duets will temper the water, but I have modified the thermistor to allow a bit hotter water. So my Hot and Warm washes are closer to what they used to be with straight hot water. I can't recall the last time I used cold wash, and often I use the Warm/Warm setting on my Duets and get a warm rinse. I cannot comprehend washing in cold water, it make me cringe thinking of all the crud that is left on the clothes and towels.