The towel radiator is always a bit warmer than room temperature. The towels are always dry for showering.
The bathroom, together with the common room, is the control room for the temperature in our house; both have at least 23 degrees. That accounts for about 50% of the house area. The buffer storage is the underfloor heating, the heating curve is adjusted accordingly, and I have started with the hydraulic balancing, which fits ok at the moment. Our annual performance factor is over 4, and in the first year, we spent 60-70€ per month for hot water/heating. Maybe there is potential for improvement, but having to remember to activate the auxiliary heating in time is not worth it for me to go further.