You can't count 100% of heater use as a "loss" technically, any "lost" heat is going into your house, which you are also paying to heat. The only lost heat would be days that your house is hotter than your tank. It is inefficient heating, but unless you have a nice heat pump(by the look of your HRV you might) it isn't too bad.
Not to mention the 9 month of calgary winter....
Nice build though, I've been watching for awhile, looks great and good detail.
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