On demand hot water. I heat water when I need it.
I have not washed clothes in warm/hot water in years.
Dishes are washed using hot water from an electric kettle or pot heated on the stove and that only happens once a day. Rinsed in cold water. Heating the water on the stove also supplements heat in my small living space in winter. I may set up a place outside to heat water for summer.
Hand washing is done in cold water. Bacteria is removed using friction, does not matter whether water is warm or not.
I have discovered that a large pot of hot water with a pitcher to pour is a most amazing and pleasant bath. I do miss a soak in the tub not enough to run out and jump back into a mortgage for a bathtub. Soaking the feet in warm salt water is a pleasure almost equal to a tub soak.