It’s all based on your lifestyle, not 1 size fits all. I would Never go smaller than 60 gallon and I would put a recirculating system in if possible.
Do you and your spouse take baths/showers at the same time or back to back? Do you have guests that all of you take showers/baths back to back? This determines how much hot water you need.
This is why any new home in the last 4 or 5 years (including ours) has a tankless system in place. We can take 1 bath or 4 baths/showers concurrently or back to back with no issues.
The problem with tankless is that they are inefficient when using electricity, they need natural gas to operate best, and gas is only south of 44 (or maybe around 44).
They also make heat pump water heaters that might save you money in the long run, and if you go this direction, I’d probably go with an 80 gallon to be safe.
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