JXP, I would question your assumption that a SS tank will warm the water more than a plastic tank.
I don't believe that is true.
One house I lived in the water was too hot to shower with in the early afternoon.
That house didn't have a tank it was fed straight from the mains.
The supply pipe ran underground and the concrete above it was in the sun all morning and heated the water. It was really hot, almost enough to scold the unready.