I've done planted tanks for years. You don't need chaeto in fresh water, there are better substitutes.
If you're looking for something which is a good habitat for small critters - like say baby cherry shrimp - Java moss is fine, albeit slow growing.
A well-cared for planted tank basically never needs a water change though. The plants absorb the ammonia directly from the water, and every so often you trim them back. This uptake is particularly strong with floating plants or other growth above the water line, as they have access to more carbon dioxide. You do need to periodically dose with ferts and top off, but that's about it.