What I found was:
Is Hot Water From The Water Heater Safe To Drink? (home-water-heater.com)
Just like you indicated, this article says, "Most experts agreed that hot water from the water heater should not be drunk or used for cooking.
If water is left in pipes for more than four hours, you have to let it run for about 30 seconds before drinking. This guarantees that stale water is removed. Stale water may contain impurities from pipes and from all materials with which it has come into contact. The same is with water from the water heater tank, where the water stays for hours."
In this article, it indicates that hot water "exacerbates" the situation of "stale water" and calls for running your cold water for 30 seconds before catching anything for drinking.
This article appears to be based solely on theory. Stating that "most experts agreed that hot water from the water heater should not be drunk or used for cooking" is not very convincing. Who are these "experts"? What are their credentials? Where is their data? The only empirical data that I see in this article is a statement that "the solubility of lead in water is twice as high at 77 F as at 59 F." The article goes on to say that besides lead, "there are some other toxic metals that could be found in water pipes, fittings, fixtures, and other products – such as copper, galvanized iron, stainless steel, and also plastic."
REALLY??? This article warns us about copper, stainless steel, and plastic that can be found in our water system! Apparently, the authors think glass is the only safe water distribution material of construction!
Just asking, does anyone tell their customers that using the cold-water crossover valve for a hot water circulating system has a health issue? Sounds like that could be a liability issue for installers. A person gets ill from drinking water that could be hazardous to their health from a system installed by a person who knew that there were health issues for that system! If I was in the business of installing these systems, I would add warning labels and obtain a written release from any health issues caused by a hot water recirculating system before it is installed.
And based on this article, such releases may be reasonable when any work is performed on a water system if a person adds any copper, stainless steel, or plastic to the water system.
As you said, "You’ll just have to do some reading and decide for yourself."
I think I've already studies enough to make my decision.
I am not going to run my cold water for 30 seconds to flush out the "stale water" in my cold-water pipes.
I am not going to worry about drinking any water, cold or hot, that comes out of my water heater.
I am not going to worry about drinking water from the water fountain at my church that has been sitting all week in a copper pot.