Terry
It's not necessarily the case that all mvhr pipework is "within the warm environment"
I have recently wired a new house, where the mvhr unit, and a lot of the distribution. pipework is up in the cold, ventilated loft space. Without lagging that would be a condensation nightmare (it might still be so)
If I could give just ONE recommendation on modern house design, it would be DO NOT have an old fashioned, ventilated cold roof space where you rely on insulation at ceiling level. Even if you are not doing "room in roof" it is SO much better to have a warm roof design where the insulation is at eaves level. SO much easier to detail to get an air tight house etc etc.
This new house I just wired, the builder was so smug about how well insulated and sealed (he thought) the house is, but i still noticed if you remove a light switch on a windy day, you could feel the cold air coming out of the hole, no doubt leaking somehow from that cold loft space into the service void behind the plasterboard.