The industrial one. The small header tanks on most domestic systems would allow chlorinated water into the hot tank and keep it fairly clean. Then there is the 65C water that should be effective.
The lack of huge numbers of legionella outbreaks tends to indicate there is not a problem. When there is an outbreak its usually caused by spraying infected water around into the atmosphere where lots of people can breath it in.. not a typical household scenario. If you want to worry about something why not see if those pond misters that are about spread disease as they vapourise lots of potentially dirty water.
They did that because it was cheaper than being sued. Legion Ella can be caught from many places but if there is a source that can be identified you will get sued even if it came from elsewhere. A business needs to take that into account so procedures are there to minimise the risk of being sued (note I said sued not to minimise the risk of infection).
Lots of people have irrational fears.. don't panic, I am sure there is a self help group for you somewhere.
I think the risks are a lot lower than you think. Compare the number of infections and deaths to those cause by falls getting out of bed/dressing and you may get a clue.