I never wash clothing/fabric in tap-cold water. 85°F to 90°F is the lowest I'll go for some types of 'sensitive' items that may bleed or shrink.
I washed a couple jackets yesterday.
One states a choice of "Machine wash warm or cold, do not spin or wring, hang to drip dry" OR "Machine wash warm or cold, complete cycle with spin, machine dry at 160°F." Rather much disparate choice of methods! If it can handle 160°F drying then it doesn't require a cold wash.
The other says "Machine wash cold, gentle cycle, tumble dry low." Low on dryers typically is 125°F to 140°F.
I washed them together on the AquaSmart's designed Bulky/Jackets cycles, which is hard-coded for Warm fill (ATC of 50°C/122°F!). I set the water heater to 105°F, which makes the machine throw a hot-water fault code when it can't attain the ATC target but it doesn't stop filling while beeping in distress. Low/300 RPM final spin but I canceled it after drain and restarted Spin Only at medium/670 RPM.
I have oily hair and tend to sweat to some extent during sleep. Pillow cases develop and retain a shadow-stain if washed at less than a strong warm temperature, 112°F to 116°F is my minimum for that.
I've shared pics of the greasy brown smutz accumulation in my mother's washer via her everything in cold "because that's what you're supposed to do."