Do some schooly sums - for your loft basin hot tap you're going to waste something like 3litres of water which you also have to heat. Depending on pressure etc you might have to wait 20 seconds for hot to heat the pipes and to arrive and it'll cost you a few pence (order of 5) each time, though the house will absorb the heat while the pipe cools down again.
Secondary returns are small radiators too, but they save the wait. You can add up the cost of parts & labour.
You either pay up or put up!
Yep true, KenGMac link demonstrates the wastage.