What's a realistic target
28–35 °C for underfloor heating, typically 40–48 °C with radiators on a cold day. If your system consistently needs over 50 °C, the cause is usually heating surface area or balancing.
How to lower it without losing comfort
Lower by 1 °C at a time and observe. Before lowering further, make sure every room gets flow and thermostats aren't fully closed.