Thanks for the detailed reply. Yeah, the showers aren't cold, but they're warm pool like water temps. The kitchen faucet is "hot" but I suspect that's because the kitchen is right above the boiler. I am new to this, so would you suggest insulting pipes and exchanger? I have insulated pipes in ground, but once they come into my house it switches to normal pex. I have a 70 plate HX, and was thinking about wrapping it with insulation, too. My Heatmor is rated for 3,000 sq ft, while my heatable space is 2200, but it's a stone farmhouse so there is minimal insulation. I haven't done temp readings on supply and return on OWB yet, but to the touch they seem similar. I have my oil boiler set to 140H, 120L, but it hasn't had to kick on because of OWB. I do suspect the temp gauge on oil boiler is off a bit, too, since when running oil boiler to 180, the temp would never read above 170. So that might also be giving me some inaccurate data.