Don't they check whether it's condensing properly when they service it?
No the boiler condenses when the heating thermostat on the boiler is set to 54 degrees C which is too cold for most people or at least the surface temp of their rads is too cold so engineers set the boiler stat higher plus there's other things available to make the boiler more efficient like smart controls especially OT products (Open Therm) and smart TRVs, outside weather sensors, weather compensation and etc.
An A rated boiler with smart controls can achieve efficiencies of around 97% but even out of the box with no controls an A rated boiler is about 92% efficient and with a mean efficiency of around 83%.
BTW I don't know of any boiler with a modulation better than 1% think Vokera's new Unica Max combi has a modulation ratio of up to 1:8
https://www.vokera.co.uk/homeowners/boilers/unica-max-c/
Personally I run my boiler flow temp at 80 degree cause we like the house hot but if you have really good insulation in the property then you can run the boiler flow much lower or turn the boiler off so that you don't need to spend money heating a hot house.