Paul,
What temperature settings are you using (on/off)?
Same all year 5.5 on / 3.0 off
I've never found a steady-state difference of more than 1C along the pipes, so 3C off is ok. Also I'm sure we are frugal users of hot water (some days no shower or washing machine or dishwasher used).
The kids complain about the low flow shower, but the quote I heard on Radio 4 "Don't upset an environmental disciple" sums up my reaction.
Should I be telling them "I told you so" if I'm still around in 2050?

cheers
Paul