You don't trust government-regulated water but you trust FDA-approved (government-regulated) sanitizer. Seems arbitrary.
And you're implying you make sure you have chlorine-free water in your Star-San solution?
Trace amounts from poorly-rinsed bleach sanitizer can definitely create off-flavors. Trace amounts from perhaps one teaspoon of TAP water left in a keg after a rinse are inconsequential.
Definitely filtering is a plus for tap water. Ironically, I wouldn't rinse with filtered water because I suspect there are more bugs in my filters than right from the tap.
I do believe all of you when you say you don't experience off flavors. That's great! I simply don't like making my beer with all that chemical foam. My preference. Sort of like chill haze. I FEEL better with clearer beer. I feel better rinsing all my sanitizers.