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Mine is a reef tank.

...tap water can be used... Would I recommend it? Well, even though it can be done successfully and after everything I just said. No I wouldn't. Unless for whatever you can't have RO or RODI.
So...summing up your rant would be this:
I made the mistake of trusting filtered water (my tap water run through a Kold-Steril filtration system), and I lived to regret it. I thought I was finding a happy medium between tap water and what was recommended (RODI). The algae outbreak I had was something I wouldn't even want in a FOWLR. Please learn from MY experience... I use RODI now and won't ever go back.
. Have a good plan for dealing with chloramines if your water has them. Chlorine water is bad enough, but can even be added directly to the tank in small quantities....chloramines, on the other hand, are REALLY nasty in all manner of biological ways. Much nastier.
FYI, there are some brands of salt that mix a dechlorinator right in the salt mix...maybe worth looking into.

