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Direct to Indirect Switch?
In December, had a new Viessmann Vitocrossal CU3A-57 installed to replace a 1950's-era oil boiler. We had to run using propane for the winter but the nat gas line was just installed. We are going through the quote now to convert the boiler back to nat gas, run nat gas lines for future conversions of existing appliances, and conversion now of the existing Rinnai direct HW heater to nat gas.
Due to the Rinnai being 15 years old, they included a more expensive option to replace with Mega-Stor MS-53 (50 Gallon) indirect stainless steel water heater with circulator, valves, and controls for a new zone off of the Viessmann.
Not an expert at all, but had always heard that direct was the better option as tanks deteriorate and leak and you're paying to heat water constantly when it may not be needed, so I had a few questions for the remarkably knowledgeable people on this board.
1. Does the very high eff of the new boiler and leveraging of an already running boiler now negate the efficiency issue I thought indirect had?
2. The current system can take a while for HW to come out of the tap, sometimes as long as 30 seconds. Not sure if this is complicated by old piping added over time across a rambling house, but would this be better with an indirect?
3. Thoughts on the Mega-Stor? I also read somewhere that the lifetime warranty may be voided by chlorine treatment of the water. Is that a standard thing for town water, which I have?
Thanks for your time and thoughts.