I myself was also very skeptical when researching TWH's. I had a family of four adults, and showers, sinks, washers and dishwashers may all be used simultaneously. The Navien contains a built in recirculating system, and since I was re-piping at the same time, I was able to add a return line and I can program the water to be hot at the tap any time I set it for. I've never come close to running out of water, and I closely watched my natural gas bill and I saved 35% for the first year, which in itself nearly paid for 1/4 the cost of this unit.
I am not a salesman for this product and just a residential customer, but I will be happy to promote it every chance I can because I stand behind this product 100%.