"You can hop to the same IBU, but the one with the "malty" ratio is going to have a murky/dull bitterness."
That IS a perfect description of the difference between the two brews. The one with city water had a sharp hop bite, the one with my well water had a murky flavor. We did 20 gallons going home in 5 gallon batches for individual yeast and fermentation procedures and they all came back with that murky flavor.
I'll bite, I'll post up my questions and examples. First, here is my water profile:

As you can see, this water is extremely low in minerals and is very soft. There is also a pH problem. I've gone through 2 packages of bad pH strips and have a third coming so I don't know what my mash pH typically is yet. Manganese is also present above recommended levels, but noone has been able to tell me how that may react in a beer environment.
Here is what I get when I punch it into the spreadsheet with no modifications (the way I normally brew is to add 5.2):
Starting Water (ppm):
Ca: 2
Mg: 1.1
Na: 6.5
Cl: 8.4
SO4: 4.1
HCO3: 11
Mash / Sparge Vol (gal): 7 / 0
Dilution Rate: 0%
Adjustments (grams) Mash / Boil Kettle:
CaCO3: 0 / 0
CaSO4: 0 / 0
CaCl2: 0 / 0
MgSO4: 0 / 0
NaHCO3: 0 / 0
NaCl: 0 / 0
HCL Acid: 0 / 0
Lactic Acid: 0 / 0
Mash Water / Total water (ppm):
Ca: 2 / 2
Mg: 1 / 1
Na: 7 / 7
Cl: 8 / 8
SO4: 4 / 4
CaCO3: ERROR / ERROR
RA (mash only): -2 (5 to 10 SRM)
Cl to SO4 (total water): 2.05 (Very Malty)
I brew in a bag so no sparge water. You can see it is very deficient in sulfate, calcium and magnesium. The problem I am having is fiddling with the salt additions to raise what I need without throwing others out of whack. I'll post later when I can how far I am with making adjustments for IPA and Pale Ale styles.
Hope this isn't too long and will be informative and helpful for others too. Everyone I talk to about my water just state that this is beautiful water for brewing and I think your spreadsheet just enforced an opinion I had that it really isn't. It isn't horrible, but does need some adjustment.