Montemayor has very good points to say. I will just give some facts (though I don't know whether they are relevant to the original post or not)
1. As far as fatality is concerned, the temperature in wet condition should be 121
0C for min. 15 minutes and in total dry conditions it is about 270
0C for morethan 30 minutes. (that is why some living organism is found in the craters of volcanoes)
2. I read one article recently (couldn't get the link now) which describes about a person's capability to withstand heat. Two persons sat inside an oven at 150
0F for one hour without any trouble and considered that as a benchmark of maximum temperature.(infact they did it at various temperatures)
3. When water temperature is maintained at minimum 75
0C no bacteria or any living organism can grow.
But when exposed to indirect heat, perspiration will reduce effect.
Wrapping around a heated object is a different issue. Going for extra insulation because we have to touch it occassionally (and not using personal protective equipment) is not fitting into my thoughts. (and I was not new to burns, thanks to the distillation columns) So I stick to 140
0F.
The following link can give you some insight on insulation and skin temperatures of cladding (which I have already given in your other thread).
You might have known it already but here is the link for economic insulation thickness program by DOE.
Note: I am still an engineer very much and never took a management course.
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