I have been filling tanks for a few years at scuba stores I've worked at, and as a firefighter on a dive team (both SCBA and SCUBA). I've taken courses from PSI and from Bauer compressors.
One common problem everybody keeps jumping on with this topic is, "getting water in the tanks". This is only going to happen with improper filling technique.
Step 1- open tank valve for a few seconds to blow out any water AND dust that may be in the valve threads or yoke stem.
Step 2- open the fill whip for a few seconds to blow out any water or dirt that may be in the whip from the yoke or din screw opening to the valve.
Step 3- connect the whip and open the tank valve to pressurize the whip and valve (if tank is empty, then open fill valve and put in a hundred pounds).
Step 4- place tanks into water tank and fill.
Step 5- when desired pressure is reached, turn off tank valves and fill whip BUT DO NOT BLEED the whip yet.
Step 6- take the tank out of the water and wipe dry with a towel around the valve. Bleed and disconnect the whip, wipe down whip connector AND blow out whip end to make sure there is no water left in the whip.
If these steps are followed there is no possible way for any water to enter the tanks. assuming your using dry clean air. You're blowing out both sides of the connection, and once pressurized, water is not going to fight its way past a few hundred pounds of air and into the tank.
And any amount of heat that can be quickly dissapated from the metal is only going to be better and less stress on the tank. less temperature change to the tank equals better tank life.;-0