My return water temps are 115F (46C) on a P98 design heating day, and obviously cooler on warmer than design days. Cooler is always better, but "baseboards require 180F [82C] water because that's what's on the spec sheet" is a commonly-held but mistaken belief.
Ah this is school knowledge of thermodynamics: the smaller the delta the more efficient the heat pump. For human comfort look at the iso7730. Also the system is self regulatory with such low temps.
Heat pumps and furnaces behave very differently here.
For a furnace you’re talking fractions of a percent difference in efficiency across a wide temperature range so by far the most critical issue is total heat losses to the outside. A heat pump’s efficiency is far more variable making total losses to the outside less important.
First, sooner or later you have to replace your furnace with a heat pump. Second, modern furnaceses are condensing. Return temp should be as low as possible maximise condensing.