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Water temperature has to be about 60-65C and be applied for a period of minutes (longer that bacteria) to harm viruses. Max water heater temperature is about 48C. You're only damaging your skin which will make it more susceptible to pathogens.

Source WHO: https://www.who.int/water_sanitation_health/dwq/Boiling_wate...

At least some water heaters can be set a fair bit higher than 122F/50C (good for dishwashers), but then you'd really want to use a temperature mixing valve for anything you might touch directly.

CDC have a nice document called "When is clean too clean?" https://wwwnc.cdc.gov/eid/article/7/2/70-0225_article

It explains the problems caused by skin irritation.

You only need warm water to wash your hands. (But you need very hot water in the pipes, especially with long plumbing runs, to kill things like legionella).

...I admit that this is likely too personal a question, but my curiosity can't resist. Do you just...not use lotion normally?