Between my sidearm for my dhw and my water/air exchanger in my furnace, I pull 20*-21* of heat out of my boiler water. Knowing that 20* are pulled out, I would never lower my temp off point to less than 154*. I don't ever want my water returning to the boiler under 150*. I have my boiler set points at 195* off and 187* on and it works great for me. My furnace fan doesn't run near as much as it did when I kept my temps lower(165* off 154*on). The only thing I ever change anymore is the differential. Mine is a gasifier, and in order for proper gasification to be maintained, the refractory material has to stay hot, so I force it to cycle more frequently when the weather is warmer. If I know that I am going to encounter a few 50* days, I will go to 195* off/ 191 on. This ensures that gasification will take place almost instantly, and it insures a clean, smoke free burn. I have no way of knowing for sure, but my wood consumption doesn't appear to go up with higher set points, and my electricity usage definitely goes down. The higher temps also fool my water heater in to thinking that it's bigger than it is.
I think you need to follow your manufacturers recommendations for your boiler. It's not my place, nor anyone else, to give you advise that is contrary to what they tell you either in print or by phone. The only advise I might throw out there would be to have them put in writing that running your set points that low won't void your warranty.
Marty
What brand and size is your boiler?