In regards to the tap water, you never know whats in it, sure some use it, and even get away with it, but most likley you will be adding nitrates to your tank in doing so, that and other heavy metals or other dissolved organics as well as chlorine and chloramine and using an additive is money that could be used purchasing good RO or RO/DI water instead.
That said I would try to find a Water store or place that sells RO/DI or distilled water for your top offs, this is something you just will not regret. That or purchasing an RO unit and making your own water.
Avoid water that says Mountain or Spring water as you can never be really sure how they process it.
Thomas