Sorry, top load washers do have big mold problems
Including vintage machines, my 52 unimatic I could never get the moldy smell out of even with many hot washes and lots of bleach, until I finally tore the machine apart and scrubbed it all out from under the top, the outside of the inner basket and the entire inside of the outer tub cabinet assembly.
GE top load Filter Flow washers were very known for mold and stinky smells, one of the worst ones I ever saw the customer used warm, wash, warm, rinse all the time the thing was pink and moldy and black.
With new machines, we see horrible problems with it. Everybody has seen whirlpool, direct Drive washers that are all sketchy in the outer tub and black and moldy especially some of the energy star machines that use such cool water and people use Eco detergents we see top load washers all the time where the holes in the basket start to fill with black moldy gunk.
Both Jason and I and my brother have all seen hundreds of top load washers with mold problems.
As I said it’s not a very big factor but it’s just plain engineering sense that the colder you keep anything the longer it will last that’s why we keep food in the refrigerator and freezer. Everything deteriorates faster the warmer it is including the cotton clothing.
John