Heat only boilers can’t be turned down below around 60c due to the possibility of legionaries disease.
Mine goes down to 55°C at boiler, likely lower at the tank, there is not tank thermostat as early C Plan I control amount of hot water with just time.
They will provide a hot tank of water whether it is needed or not and cannot offer an independent temperature to the central heating.
When it uses a motorised valve it can give a temperature less than the central heating.
The down side of a combi is the waste of water waiting for hot water to appear at the tap and the waste of gas getting that water to the tap.
It does depend on the boiler and location of the boiler, Mother had a Worcester Bosch boiler, it had an Eco button, with Eco on the shower would start cold and warm up as hot water reached it, but to get hot water at sink tap, it had to be full on, but switch off Eco and you could get hot water faster at the sink taps, and with a low flow rate, but the shower would start cold, go hot, then cold again, and then hot second time and stay hot.
There was clearly a small reservoir in the boiler, and with eco off it was used, but with eco on it was by-passed, the oil combi boiler always have a small reservoir as they can not modulate to same extent to gas, so unless using in eco mode you still have a tank of hot water.
Before having a combi I had two boilers, one for domestic hot water and one for central heating, combining them resulted in a small reservoir, and inability to have DHW when we had no electric, but today pilot flames are rare.
But even DIY unlikely to be able to swap a boiler for under £1000, likely cost three times that, and it takes a long time to get that back with higher efficiency, very likely 10 years, so question is in 10 years time what will have changed?
We have multi fuels which can be used, wood pellets, oil, LPG, town gas, solar, electric, and we have no idea how the price will change for each fuel. My brother-in-laws old house could use solar, wood burning stove, electric or LPG. It had a reinforced floor, and two massive water tanks, all heat was put into the water, and drawn out of the water to use, seemed an ideal system, but installation cost over £12k.
We look at heat pumps, seem a good idea, they can heat or cool, although it seems most being fitted can only heat, I can see the problem, heat raises, so a radiator low down will heat house, where a radiator high up will cool a house, so to combine you need fan assistance, now the fan assisted radiator uses fan speed to regulate output, the Myson iVector has a 5 speed fan, but it does not restrict the water flow, so really need to be in series not parallel, this means it all needs re-piping.
So central heating uses near enough engineering in the main, it just costs too much to have a system which will really control home temperature, there is no perfect system. It would cost too much, and although oil boilers last for years, mine is 18 years oil, and is likely to be 40 years old before it needs changing, gas don't seem to last as well, and at work the boiler was built 1902, and 1900, they really boil the water, and both have about 8 years to run on their ticket.
there are some new boilers around
this one at Corris built 2005, this one
not in steam yet as far as I know, also Corris built this year. But boilers should last for at least 100 years if looked after.