Well, I do only small water changes so that the new cold tap water won't affect the overall change of the big tank at all. For my 60 gallon, I just change only 5-7 gallons at a time. This has no effect on my fish at all.
Another way is to put the water in another container like a 20 gallon tank and use a heater until the temperature matches that of the other tank. Doing this for a overnight might even let the chloramine/chlorine out of your tap water.