With a Solar-Water-Heater - there is no minimum or maximum! Anywhere from tap-cold to boiling, depending on the conditions.*<sup>1</sup>
The best solution is to temper the water to prevent scalding in the areas that need such protection. But honestly, I find that even 120ºF water is enough to produce steam and scald me - so how it "protects children" is beyond my comprehension. They always say to never bathe a baby at hotter than lukewarm - or else scalding occurs. So whats the difference?
Based on that article - water heaters hold probably be set to about 130º, to ensure Legionella is still being killed off. Perhaps mandate that, BUT, if people remembered to actually flush their water-heater tanks every year, then this probably wouldn't be an issue.
My advice: Set the water heater as cool as you feel safe in doing so. Perhaps engage in "prudent maintenance" to ensure your livelihood's protection.
If you are pressed for money - it might be worth considering upgrading your water heater, adding insulation or changing your usage habits to suit your utilities' usage plan. For example, Australians can (Make that COULD) purchase Electric water-heaters that have a full-tank element running off a timer for Off-Peak electric rates, and a smaller unit at the top of the tank for boosting during the day if the temperature dropped below a reasonable level.
*1:
Its actually expected/recommended by the manufacturer of our solar water heater to keep the electric or gas boosting element activated year-round - to ensure water of a minimum temperature of 140º - this is supposed to meet the Australian Standard, AS3498 that requires water heaters to have some means of eliminating Legionella growth. They must also be set no colder than 140º.
Personally, I think this is another example of overregulation and the "Nanny State" we live in. If people in the U.S. are using their water heaters at 120º or colder, without many headline issues - I think it is silly not provide the means to save energy. It is your life, after all.
We don't actually follow this recommendation, and I seriously hope other Aussies are doing the same. Energy already costs a fortune here - and the added burden isn't worth it. (We pay about $300 bi-monthly in the Winter for electricity. Thats going up another 2-3 c/kWh from July 1. Summer bills will easily reach $900)