A buffer or thermal store between the boiler and heating circuit won't gurantee low return temperatures.
It will if you have the right controls fitted.
What happens is, the boiler heats the store.
The heating comes on and starts to empty the store. The cold water from the heating system goes to the bottom of the store and is immediately passed through the boiler.
Which turns the boiler on. Or, the boiler is controlled via a thermostat on the bottom of the store, which will signal heat is needed as soon as the cold water from the heating system gets to it and the returning water from the heating system is immediately cycled through the boiler.
Whilst both are running, cold/cool water returning from the heating system will go straight to the boiler. It won't see the buffer tank at all.
So, there's little point having one.
Actually, the flow rates will be different in boiler and heating loops - so the water in the buffer will be rising or falling slowly depending on the flow rate differentials. Thus, you can have a high flow rate round the boiler loop without having a high flow rate round the CH - and you can have a flow rate round the CH without needing any flow rate at all round the boiler.
If the boiler is making more heat than the heating system can use, the temperature in the store starts to climb. The return to the boiler becomes a blend of the cool water returning from the heating system and the warmer water in the tank. So the boiler works at an increasingly high temperature.
No, you shut down the boiler AND it's pump when the temperature <somewhere> in the buffer starts to rise. In practice, you need two stats and a relay so that the cycle goes :
1) Boiler comes on and heats the buffer top-down - you arrange the system so that the boiler never outputs 'half-warm' water as you need a stratified buffer tank with hot water at the top. On a small tank, you may want a diffuser to prevent the flow creating turbulence and mixing the layers. So the boiler is drawing in cool water and outputting hot water. The boiler does not switch off on rising temp at the upper stat because the relay hold it on ...
2) As the hot layer approaches the bottom, the lower stat triggers and turns off the boiler.
3) As the hot water is used in the CH loop - which can be a 100% TRV setup with modulating pump and no room stat - the hot water is drawn off from the top and cool water is returned to the bottom. The interface between hot and cool water rises up in the tank.
4) When the top stat on the tank triggers on falling temperature, the boiler is fired up to reheat it. Goto step 1, rinse and repeat.
The key is that your CH loop does not have a bypass so it only ever returns water to the bottom of the tank that's been through the rads. The flow through the rads is controlled by the TRVs, and so under moderate load the delta-T is high and you get a low flow rate of cool water rather than a higher rate of warmer water that would have been the norm on an old fashioned system setup for a specific delta-T across the rads and turned on-off by a room stat. Under part load (and especially if you oversize the rads) you can get return temps down into the 20s or 30s - plenty cool enough to make the boiler condense.
In practice, unless your demand is high and the boiler sizing is marginal, the buffer will cool slowly and reheat quickly. The worst case is a high demand, so high CH flow rates and correspondingly high CH return temps - but then you are no worse off with the buffer tank, but it's not gaining much either.
It's possible to use a single stat part way up the tank - but then you get frequent short cycles. Using two stats allows you to fire the boiler and run it for as long as it takes to reheat almost the whole of the tank before shutting down completely for a period. The bigger the tank the less frequently the boiler needs to fire - but when it does it will fire for longer.
If the water from the heating system goes straight to the boiler unmoderated, it will always be the coolest possible water that could be returned to the boiler, which will work most efficiently.
You weren't reading were you ? The return temperature into the boiler will NOT be at the return temp from the CH loop if you have a CH loop with TRVs and a modulating pump. The flow rate round the CH loop will be insufficient for the boiler to work and so it will just shut down (or overheat) - hence you need a bypass to keep the flow rate through the boiler up. By the time you've mixed a load of hot water with the return from the CH loop, the return to the boiler will be hot.