A man I know who has kept fish for more years than he cares to remember once told me he never adds warm water to his tropical tanks, always cold from the tap. He reckons that in the wild fish float on the surface, where it's warm, then dive to the bottom when danger threatens, and the water temperature at the bottom is a lot colder than the top.
I am like Andrew, I add a little warm and use the finger test, but this is for my benefit, not the fishes, as I pour the water into the tank by tipping it over my hand so it does not disturb the bottom. Pouring warm water on your hand is a lot nicer than cold!