With SS heat Xs you don't need any heat pads like with aluminium heat Xs. The Navien is so efficient as it has a secondary heat X inside the combustion chamber, which is dual-pass so the flue gases have more heat extracted raising efficiency.
With SS heat Xs you don't need any heat pads like with aluminium heat Xs.
Means usually two.
That I do. Running a condensing boiler at a lower temp as possible increases efficiency. A high temp decreases it. Even plumbers know that.
Assessing the variables, that is more the heat exchanger designer and combustion engineers field. So, you would be better off with a stainless steel heat X (which are by nature less efficient) at a lower temp because these aluminium heat Xs (supposed to be more efficient) build up crud at lower temps, so have to be at an inefficient higher temp.