I drink ridiculous amounts of English Breakfast tea with 1% milk every day. The water HAS to be boiling when it hits the tea. You cn really tell the difference if the water is less than boiling. Same but more subtle with green tea imo
At work I put a teabag in hot water and zap it in the microwave for 20-30s, key to driving out the flavor into the water.
I don't like green tea but I would think that you should experiment with whatever temp gives you the extraction you need. Don't listen to experts is rule #1 when it comes to brewing.