Water heater jackets are designed to be compact and tidy. If you don't mind the work of re-doing your work for periodic tank replacement and other maintenance, add as much as you want. Arranging for an easy to restore seam in a wrap is probably a good strategy. You might also add a bit of plastic to keep the 'glass dry when the heater leaks.
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There is no excuse for a land vehicle to weigh more than its average payload.
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