I
ironman1
Doesn't sound like it would be an issue with a 4-pipe boiler with internal diverter valve using W-plan.
One of the primary reasons for low loss headers or 'loop' type headers is to avoid stratification across the heat exchanger/s (buffer) , without this header arrangement the heat exchanger can crack due to 'thermal shock' , this is normally the case when heating is being called for & boiler is already up to operating temp (HW)
To the OP...........i would consider going the header type route with you're installation , seems the guy would'nt quote for it if not necessary.