My comment was simply in reference to well water which has very consistent temperature and will warm or cool the soil surrounding pipes at any reasonable depth if you are using water regularly.
A poster mentioned failing to get a cold shower in Singapore, but Singapores ground temperatures are much higher than we are used so well water is going to be ~25C year round and tap water can be significantly warmer than that.
Trivially people in the tropics don’t have a winter, but well water can similarly have very consistent temperatures independent of seasons.
It's a simple calculation, but very location specific. In my particular case, if the water heater is set to 50C, and tap water is 22C in Summer, it has to impart a ΔT of 28C. If your tap water is 4C in winter, the ΔT is 46C. Not quite double, but close to it. If your water heater is in a poorly conditioned space, then it would lose considerably more heat to the surrounding space when outside temperatures are -15C than when outside temps are 35C. All told, hot water energy usage for my particular situation is between 2x and 3x. Other situations would vary, but still significant.