Cold water. No, not on your life. But you are correct in needing hot but not too hot. My wife complained that we did not have enough hot water recently. I checked the hot water heater and found that we set it a few clicks too low so I turned it up. The next day the water was extremely hot, almost too hot. I noticed that my later was not as good so I began to tone it down a tad just to the point of where it was prior to me turning up the setting on the hot water tank. The moral - hot is good, hotter isn't always better but cold is always bad.