You're not losing the heat when it flows into another tank. That's how indirect tanks work in the first place, by moving heat through a heat exchanger. 70-90% of the standby losses come from a.) the boiler and near boiler piping. b.) When someone turns on the hot water and re-heats the piping to the emitter, generating a loss as that water returns to ambient temp. My indirect loses about 1/2 degree per hour, which comes out to about 170 btu/hr, which is squat. My boiler loses about 500-700 btu/hr, and that's considered really, really good for a high mass system. It still cuts down my system efficiency from around 90% to a more sobering 60-70%, so for the Summer months a tankless would win-if I had nat gas. For the 4 months/year when my outdoor temp is above my ambient temp this is a waste, otherwise it goes into heating my house and I'm figuring about 80% for hot water.
Tankless heaters are better than a standard, open flue gas water heater but I have my doubts about their longevity and real efficiency, especially in hard water areas.
Tankless heaters are better than a standard, open flue gas water heater but I have my doubts about their longevity and real efficiency, especially in hard water areas.