I live in an apartment in the UK. There's an electric "hot water cylinder" (storage tank) to heat water for tap usage. (Not for heating, there are electric radiators for that.)
This hot water cylinder has a thermostat where you can set a temperature from 40°C to 70°C, and whoever installed it set it to 70°C. 70°C seems wasteful to me, 40°C would be enough for my use. Presumably the higher the temperature and the more electricity it uses?
However the manual warns that the thermostat should not be set lower than 60°C to "prevent bacteria growth". Is this a valid concern in practice, or is it more like some kind of abstract health & safety disclaimer? I mean, I'm not going to drink that hot water, I just use it to wash stuff.