We use a fairly big filter on our drinking water faucet in the kitchen - we seem to replace it every year or so, when the water pressure at that faucet drops. I don't know if that's the best way to tell though, but we use that for our hot water kettle and humidifiers and neither get a bad mineral buildup.
I've found that (for my uses) the filtered water seems to be as good as distilled water, I'll likely put one in the darkroom. As far as water spots on film and chemicals oxidizing or getting stinky, the filter is fine and more convenient than distilled (my TF-5 fixer goes off with tap water in a few hours, as does my rapid fix… with the filter, it's all odorless until it stops fixing).