People that cheer about tankless have never had a tankless. They’re awful. They can’t hold a temperature and are a great way to get scalded then frozen. Tanks are very efficient these days and have none of the usage downfalls, besides being a quarter of the cost.
I have a gas tankless, and it works really well. When we moved in, I needed to turn the temperature down to prevent the issue you described; It was set at 65C.
Tankless systems should be set to 50C/120F, whereas tank systems are supposed to be hotter to prevent Legionnaires’.