Me, about 15 min. Wash long hair, condition, brush it through, maybe shave my legs, wash body, wash face with a different cleanser and brush, rinse everything, etc.
My 22 yr old son, 45 min easy. He has OCD and everything takes him three times as long as he has to do everything repeatedly. Yes, we pay for water.
But when I was a teenager it would take me easily 45 min or more in the shower and at least that long to get dressed. Especially on the weekend with extra scrubs and deep conditioner and stuff I didn't have time for during the week. We didn't pay for water as we lived in an apt and heat and hot water is included. You only pay for electric.