The current pipe from the boiler has been "insulated" by the plumber who moved the boilers' monkey. It has not been done very well and the hot pipe runs against the heating loop for the rest of the run to the kitchen tap, so it's warm for about 3 meters. All the other pipe and pipes to the taps and shower are nearly impossible to get at to insulate.
The 16.5 cubic meters of waste water is based on running the kitchen tap till it gets warm and is at least 9.5 litres of water down the drain each time and that's what I've based the water waste on. There are 4 people, including two water hog teenage girls who like to run taps and take showers. They can only have 65 litres worth of shower at a time, as that's the capacity of the water storage tank, on purpose
As I've said we live in Denmark, which is known for charging extortionate rates for gas, water and electricity and has chilly winters.
The house is virtually uninsulated (slowly changing to highly insulated) 16th century timber frame with a thatched roof and is 30m long and 7m wide with the condensing boiler in the highly insulated new bike shed/workshop extension........got to keep them warm.
Bathrooms at each end although the furthest on is a building site and we've never used it anyway, kitchen in the middle, two wood burners, half a decent central heating system and we currently don't use the upstairs, although that will change in a year.
I'm going to make a drain back solar system on the workshops green roof to pre heat the water flow to the DHW tank, summer months only.