Again: standard of living is more than the ability to take 45 min showers. Super wasteful anyway, considering that heating shower water uses about 10-20kW of power as long as the shower is running.

Besides, even if you buy a 3/1, how hard is it to add a 2nd water closet and shower somewhere down the line? It never really gets super cold, so you could even put an extra shower outside, which is great if you’re coming home from hiking or whatever.