I haven't bothered boiling for beer top-off water, though I run it through a Brita filter. (Though I suspect that filtering it, if it has any effect with respect to infection, increases the likelihood.) Beer has the benefit of hops and their antibacterial properties, though. Infection in the case of cider or mead might be more likely.
The only water I added to my cider was for the tea I added for tannin and for dissolving the sugar I added. In both cases it was boiled, though not specifically to sanitize. That was incidental. I didn't use concentrate, though, so it wasn't needed.
For the mead I've made, I used bottled spring water, which is sanitized coming out of the bottle. I think I may have topped up with a bit of filtered tap, but I don't remember exactly.
In general, I think infection from water is quite unlikely. Most city water supplies are chlorinated, so you really don't have to worry about bacteria, though you probably want to remove the chlorine so some step would be needed (this is why I filter). In some cases, boiling or other steps may be needed to remove the chlorine (if they use chloramine). If you have non-chlorinated water, I guess bacterial infection may be more likely, but I'd really be inclined to take the simplest approach until I actually had a problem, then fix it for the next batch.