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Has anyone installed a tankless water heater for a whole house application ??

I would like to have a plan to act on when my current water heater decides to fail. I currently use a 75 gal tank heater.

I have a two family rowhouse with a total of 4 adults. My concern with a tankless heater is the gpm capacity during the winter months.

I had also thought about chaining the incoming water line into a small tank heater then into the tankless heater. Keep the tank set to a cool temperature (~60 degrees F). In this way in the winter the tank will heat the outside cold water to 60 then the tankless will take over to heat to use temp. In the summer however, the water coming in from the street would be warm enough so that the tank heater will never need to kick in. This way there would be enough hot water for all.

Any comments, Ideas?