we replaced our old band G combi boiler (below 70% efficiency) & replaced it with a band A (above 90% efficiency) condensing combi 2 years ago, our usage has remained unchanged but the bills have not changed in the slightest!
That's not the usual experience. You've probably got something wrong in your system - could be anything. The standards among installers are highly variable, perhaps you should get someone else to look at yours.
20% saving (or more) when replacing an old cast iron lump with a condenser, is not unusual, but more than just the boiler is usually changed or fixed at the same time.
If not, then what's very common is that the husband says absolutely nothing's changed, and the wife says how much warmer she is with the new boiler... Correlate that with us all being told how one degree lower saves 10%.
You're right that some of the claims of some of the boiler manufacturers, and the odd installer, are misleading. There be dragons.
Tahir do make sure that whatever is installed, particularly in relation to its controls, is something you actually both understand and believe in. Understand, because your installer may not, and even by the manufacturer's own techies may not. And do believe in, just in case you fall in range of one of the companies or installers talking b01lox. Try asking for evidence - it's painfully thin on the ground.
If things don't work out for you as a user, then your control system may become one of the surprisingly large proportion of "clever" ones which are never set up right, or get maladjusted, disabled, or ripped out.
What I'd want in a house I live in is is very different from that in a house I rent out to student nurses. Horses and courses.