That's not how things work with modern gas boilers and thermostats.
The boiler doesn't run at 100% when doing small top-ups to maintain a set temperature. It might only come on for five minutes to give a small amount of heat to raise the temperature from 19.5°C to 20°C. The pump will keep running afterwards to distribute the heat around the home. This might happen three times per hour and the radiators probably won't even get hot.
It costs more to maintain a higher temperature due to thermodynamics - i.e. a hotter object loses more heat than a cooler object, but it is all related to the outside temperature.
'Inside temp' minus the 'outside temp' = Delta T
If it is 0°C outside and you warm your house to 19°C, instead of 20°C, you will save 5%. In this example Delta T= 19 or 20
If the outside temperature is 10°C and you warm your house to 19°C, instead of 20°C, you will save 10%. In this example Delta T= 9 or 10.
When it is 0°C outside, it costs twice as much to heat your home to 20°C as it would if the outside temperature was 10°C. In this example Delta T= 20 or 10.
Lowering the flow temperature saves you money because the boiler return temperature will be lower, which means the boiler will be more likely to 'condense' and will be running more efficiently - e.g. 90% efficiency instead of 80% efficiency. But it will take longer to heat your home, because your radiators won't be as hot, so 'boiler hours' will actually increase.
The only way to determine the true cost is to check the meter readings.