[larrycrilley@gmail.com]

I copied and pasted your post directly into Chat GPT. It provides a direct answer instead of providing many links (and ads) to help you search for the answer.

ACCORDING TO ChatGPT -

“Your reasoning about the advantages and disadvantages of the two recirculation methods is spot on. For new construction, a dedicated return line is generally considered the superior option, provided it’s feasible within the budget and construction plan. Here’s why:

Dedicated Return Line
1. Efficiency: This system keeps the cold and hot water supplies completely separate, ensuring you always have actual cold water when needed.
2. Consistency: A dedicated return line provides more consistent recirculation without affecting the temperature of the cold water line.
3. Energy Savings: When paired with a recirculation pump controlled by timers or motion sensors, it minimizes energy and water waste.

Cross-Over Valve
1. Cold Water Warming Issue: As you mentioned, a cross-over valve uses the cold water line as a return, which can temporarily result in lukewarm “cold” water. This is especially noticeable if water sits idle in the pipes for a while.
2. Simplicity: It’s less expensive and easier to retrofit into existing homes since it doesn’t require additional plumbing for a return line.

In New Construction

For a new build like your Well Point home, the dedicated return line is likely what was roughed in, as it’s the most appropriate choice for construction from scratch. It aligns with modern energy-efficient and comfort standards, especially in areas like Florida where water temperature fluctuations are noticeable. You might want to confirm this with the plumber or builder to ensure it matches your preference.

Additionally, ensure the recirculating pump is configured correctly (e.g., timer-based or demand-activated) to balance comfort, energy use, and longevity of your tankless heater.”