now I'm in a quandry ... I want to save as much money as I can, and not having extra on my electricity bill would be good, but then again, I'm worried about over using water (it not metered here, but I am doing my best to be as environmentally aware as I can) and a heated supply would certainly cut down washing times (even more so with HCA) .... thanks for the help though everyone.

I think I'll try cold first, I can always fit a hand washer heater in the future if I have any problems.