Go you cape wearing shower heros! A couple of you mentioned not using hot water in spring/summer. Wow, is all I can say. I still steam up the bathroom in summer and have my electric blanket on 90% of the year.
We don't live in Melbourne anymore, that's how. One of the trade-offs, I guess. You give up living in a bicycle friendly city to live in a cold-water friendly city. From Dec-Jan our cold water runs at about 30 degrees.