RV water heaters come with fixed thermostats, typically 140 degrees in recent years but 120 in some older ones. Atwood has an adjustable thermostat that fits several of its models, if you want to change yours out (not difficult). There were also some alternate fixed temps available last I checked.
140 is also the standard and recommended setting for home water heaters, so the RV isn't any different. If you change your faucets to single spout and preferably single handle, you can avoid most scalding water issues.
The primary reason for running the water heater at those temperatures is that hot water capacity is limited, so it makes sense to heat it up and mix cold with it at the tap or shower. If you set the heater to deliver pleasant 95 degree water, you would run out of warm water ina few minutes. Fine for washing your hands, but not so great for the shower or washing machine.
2004 American Tradition; 2014 Buick LaCRosse
Homebase in the Ocala Nat'l Forest near Ocala, FL