You do not need nor want 3 filters in front of the RO membrane if you are using high quality filters. One 1 micron or less near absolute or absolute rated sediment filter and one 1, 0.6 or 0.5 micron carbon block, thats it no more and no less.
The reason many vendors still use two carbons is they use a coarse sediment filter which does little to protect the downstream carbon so the first carbon is a sacrificial filter to make up for the poor sediment filter. Doesn't matter if it is free chlorine or chloramines, one 1 micron or preferrably 0.5 micron carbon is more than sufficient for our needs. Carbon does not remove chloramines, it breaks the bond with the ammonia and removes the chlorine portion and the ammonia is partially removed by the membrane and polished off by the DI. Good DI if far more important with chloramines than carbon is.