[Canabarrybarb]

I installed a recirculating pump in North Carolina and it worked well. But I was able to insulate both the supply and return lines as they ran through the attic.

My concern in The Villages is that we cannot insulate the existing supply line which runs underground. I also notice that after a shower it only takes a few minutes before the water coming out of the hot water tap is cool again - that suggests that the heat in the water line is being quickly absorbed by the ground. So hot water recirculation in a Villages house would really be better described as underfloor heating which would probably add a lot to your hot water heating bill.