I do residential service work mostly, 240V single-phase. EVERY such water heater and dryer is a 30A ckt. I guess it's another of those things where the entire state does it wrongly again.
Maybe we have state amendments that are allowing cord-and-plug furnaces and 30A ckts for water heaters. I must admit I've never tried to engineer either, and just use my 25 years of experience to wire them the same. This thread has been another very interesting one for me.
No, I'm not going to start stocking 25A breakers. And I doubt I will even buy one for a specific job. Maybe I'm a rebel.
I'm NOT telling the OP what to do, to be clear. Just musing.
I once looked into water heating issues at a commercial facility. Had been in place quite some time, but the 3-phase water heater was operating on single-phase. The unused phase was brought to the heater and capped off. All I had to do was hook it up. Worked a lot better. After that, we looked at their other one where they hadn't NOTICED an issue. Same thing. I do a lot of barter work. That one paid me with a single-action revolver.