An inexpensive valve and 20 minutes of labor can prevent scalding.
Which is worse, scalded skin or Legionnaire’s disease? Until 2006, many homeowners had to ask themselves that question. It has to do with water temperature. Water in a water heater should be hot enough to kill microbes such as Legionella bacteria. It should also be cool enough that it doesn’t scald your skin. There is a happy middle ground, but it’s surprisingly narrow; 120 to 125 degrees F. The thermostats on most water heaters can’t get close to that precision. That’s why you had to choose; a little too cool or a little too hot?
Happily, there is an attractive third choice, a temperature mixing valve, or TMV. Attractive because it is easy to install and not horribly expensive. You can pick one up at a home center for around $85. Here is a YouTube I found on the interwebs: YouTube Mixing Valve