It strikes me that the risk of legionella in domestic premises is vanishingly small. The regulations apply to places like schools, hospitals and nursing homes where the consequences could be serious because of the numbers at risk, and things like cooling towers or plant where many people passing by might breathe in vapours.
There was a PHE report in 2016 covering the 3 previous years, total cases sub 400 each year of which between 40 and 50% were overseas travel related. Of those cases, there were few deaths mainly in older people - overall case death rate 7%. So - we can expect about 350 cases each year in the UK, of which 200 are 'home grown; infections of which 14 might die. I think with those case numbers we have bigger things to worry about in a population of 66 million. Take care but don't obsess about it perhaps.
The WHO guidance repeats what has been stated above: 50 degrees at the outlet, 60 at the boiler, and recommends weekly running of otherwise unused taps to prevent stagnation. I doubt many of us have hot taps which we don't use. Cold to be sub 20 degrees, which isn't likely to be a problem in the UK. Its a respiratory disease, you get it by breathing in sray or mist, not from washing your hands in it. I always wonder about the guidance because shower mixers bring the temperature down, but the water entering the mixer should be above 50 in any event. Still though, it could 'breed' in the shower head which never gets above 50 unless you enjoy coming out of the shower very pink. Maybe if we have been away for a few days - stagnant water in shower hose and head - we should run it as hot as hot can be for a few moments before we use it. Care home sthough have one set of regulations requring high temps to avoid legionella and another one requring mixers to be set below a threshold to avoid boiling the residents. Must be hard to reconcile.
Back to the original question, there is no single answer because its lifestyle related and we all live differently. Combi boilers and conventional HW tank systems have wholly different characteristics. We had new boiler, hw tank and so on 18 months ago. The tank is much better insulated than the old one. The hot water flow to the bathroom/shower is pretty efficient, to the downstairs handbasin its OK, to the kitchen it is awful. This dry summer we were collecting water in a washing up bowl to put on plant pots, typically we would run 5 litres before the water got hot at the tap. There are just 2 of us in the house now (what follows all changes if we have family or visitors to stay).
I used to lazily and unthinkingly have it coming on early am until after we had showered, then again late afternoon for a top up. Calling for heat up to tank thermostat temperature for 2 hours a day. Then I thought, when do we need hot (as in proper-hot) water? Really only to shower each morning plus a bit to wash up things that didn't or couldn't go in the overnight dishwasher run. I'm still unsure about running hot water to the kitchen if its just a small amount to do, a litre in the kettle warmed to 70 and added to a bowl of cold might be quicker and avoids the energy and water wasted in that long pipe run - must do some sums soon.
During the day and evening we only need warm-ish water. I have been pleased to find one 30 minute 'on' cycle just before we get up each day is plenty, and the boiler may only be firing for half of that time. No gas here so its oil, summer usage about 1 litre a day. If I have had a hard-work day in the garden or similar and want an evening shower I just press override and wait 20 minutes or so. No point setting that every day because I don't need it every day. But, we all vary in what we do and what we want so my one half hour cycle a day won't suit all.
As a general principle though, I now think about things a bit more and will set water and heating (coming soon with cool evenings) to the minimum timings and work up from there if I have to rather than my old "just leave it on when we are in" approach. On water, with a decently insulated tank you might be surprised how little you need the boiler to run.