Why do you imagine that you have lower utility bills in your current house after switching to a combi?
... because I pay the bills and keep a record of my meter readings?
Thank you for your input
I would suggest that the saving is not from having a combi but having a modern condensing boiler!
A combi and a stored system use about the same amount of gas with slightly less on a stored system.
There is no problem, properly designed, for any boiler, combi or system, to heat your house AND a cylinder.
The point most of us are trying to get you to understand is that a combi only for your hot water would be a very bad decision.
Tony