I also have to adjust to the central water heating. Until now we had a boiler and short distances to the sink, washbasin, and shower, so that hot water was immediately available. I recently read a report that a central hot water supply is sometimes less economical than the actually disreputable instantaneous water heaters, when water consumption is taken into account. If one considers heating parts decentrally, one would also have to think about what happens with the rest. The less water is taken from the central system, the less sense it makes. If no solar domestic hot water heating is planned, one could then completely turn off the heating in summer.
In general, I find the water hot enough despite the heat pump, whereby the hot water in our case is even hotter than the heating water due to the stratified storage tank. However, it was said in the initial post that no underfloor heating will be installed. Thus, a heat pump is rather excluded.