Yep anything more than a few degrees under what you run at is too much of a shock to the fish, it will be a rapid temp drop especially if your doing 50% change. If you have a spare heater I would. I dont so I try and get it right at the tap and dechlorinate in the buckets. I dont know if the hot water from the hot water tank absorbs anything from the tank or element so I am unsure if this is the normal practice for other people. I dont see much other choice. What do others do? Anyone?