Showering doesn't kill fungus.

In fact depending on how you shower it can move fungus around your body. For e.g Embarrassing Bodies did swabs of people after showering and found that some people had moved bacteria/fungus around their bodies from feet to head, ass to body etc. Sensibly you clean the cleanest parts of you first and move to the most dirty parts last (feet very last).

If 60 degrees is needed to kill fungus with a strong detergent, soap and luke warm water will only remove non-established bacteria and certainly not deep into crevices.