Just remember that the difference between not condensing and fully condensing is around 13% in efficiency and it's impractical to get the
13% as the return flow to the boiler would have to be under 20CWith a flow of 60C your return would be of the order of <50C and theoretically the efficiency of your boiler will be around 88%. Reducing the flow by another 5C would give you perhaps another 1 to 2%. BUT.....
Unless your radiators are sized for 55C flow you may/will find that the CH system does not provide enough heat for your house to be comfortable, especially when the outside temperature is colder. You could manually adjust the flow temperature on a week to week basis based on the outside temperature. This is the kind of control provided by a more sophisticated control system with weather compensation information supplied directly to the boiler.
If your boiler is over specified for your central heating system, as seen in one recent thread in this group, setting the flow too low will always result in short cycling - which is far from ideal.
This thread started with a question about the size of the plume from two boilers operating with the same outside temperature. It wasn't about one boiler operating without a plume. What you may be seeing is normal. My boiler tends to produce a large plume when it's just been switched on and then settles to very minor plume once everything has settled down. Maybe you should check when your boiler is actually producing the your "large" plume - just after switch on? when the boiler has modulated down and it ticking over? when the boiler fires up again after a lockout period after a short cycle?