John Rumm wrote:
My thought was that it does
not leave much room for DHW at 60deg. to avoid bacteria.

Another trick you can play on some systems is split temperature
operation, when it uses different flow temps for heating the CH and DHW.

Heat pumps often have a flow temp much below 60C. The trick some of them
use is to run an immersion once a week to boost the tank up to 60C - that's
sufficient to kill the bacteria.

Since the heat pump tries to keep the (well insulated) tank about 40C
anyway, it's only the weekly 20C boost that you're paying electric heating
prices for.

Theo