Well, you know what they say: "No such thing as a stupid question!" That, of course, is the biggest crock of equine fecal material ever foisted on the public, but it's repeated often enough that most people buy it. However, I don't think your questions fall into that category.
A couple or three degrees either way is no problem, and especially so when you are doing only a partial water change. A 50% change with water that is 3 degrees off only results in an overall 1.5-degree change in temp; inconsequential.
You can get pressure-balancing valve/faucets that will ensure your tap water temperature remains where you set it even if your wife turns on the dishwasher and your kid flushes the toilet.
I used a method similar to that which you are using now, i.e. a storage container from which the water is pumped or flows by gravity into the aquarium. My well water comes out of the tap at around 50F even in the hottest weather, so I would just fill that container up and allow it to come up to ambient room temperature, which is what most of my tanks are maintained at. If I knew I was going to do a WC on one of the "warmer" tanks, I just plugged in the heater that sat in the storage tank all the time, set at the correct temperature and just waiting for energization. A few hours and it's ready to go.
I now have an on-demand water heater dedicated to the fish room, only because it means virtually unlimited water whenever I want it...but I still use the storage tank if I am doing a small enough change that it has the capacity. Since it heats up simply by virtue of the fact that its inside at room temperature (actually, crawlspace temperature...) it is "free" warm water. If your largest water change can be handled by your storage tank capacity, that's still a valid way to go. One quick check of the stored water temperature, and you know it's correct, no running back and forth.
Just don't forget and leave the water running while re-filling the storage tank. That would be stupid (ask me how I know...) and stupid actions are even worse than stupid questions.