Hi, I'm not sure whether you question is directed to the American owners only or anywhere in the world. As far as I've seen so far, washing machines seem to be generally fine-tuned in different ways for a particular given market.
My washer is fairly modern, it's a 'Hoover-Candy' from 2004 and it does 3 rinses on a normal cycle unless the load is very small (in that case it would do 2). Although later models were programmed differently. All the rinses are carried out with low/medium water level unless the machine oversuds during any of such rinses, in such case the rinse would be carried out with high water level.
Having said that there is an alternative cycle in which you can have 2 high water level rinses instead of 3 low water level ones. Some washers, such as 'Samsung', let you choose the number of rinses you want in a cycle from 1 to 5. Most washers (if not all) however, offer an extra rinse facility, so you can always amend the wash parameters to suit you needs. Some will carry on rinsing until the water is completely clear, others would add a set amount of rinses... 1 or 2, depending on the model.
A regular cycle nowadays can be interpreted as a 40 degree cotton cycle, as this is the most popular temperature over to this side of the globe (I'm ready to stand corrected here... guys please have your say), but almost all machines can run the same cycle with temperatures ranging from cold (15) to 90 degrees Celsius.
Are you considering buying a front loader?