Our family went 11 months without hot water and live in the northeast. When the hot water tank sprung a leak and all of the HVAC wanted $$$$$$$ to repair it, I rethought our use of fossil fuels and it triggered my desire to move the house to net zero, which is an ongoing process. Our heat was also hot water radiators so we had to bundle up, but it kinda felt like indoor camping. BTW, water comes out of the ground warmer in summer so that wasn't too bad. Washing my hair in winter, when it felt like stabbing ice shards, was quite challenging.
Now that I have heat pump hot water, I can adjust the water temp using the system app and still take showers on the cool side. Many people are buying cold water plunge tanks, when they could just turn off their hot water.