You don't have to do the bleach if you are going to use muratic acid. Tap water is also for baths, initial fills and soakings - the N and P are not as much of an issue as the hardness and metals, but the water around here is very good and the miniscule amounts of metals will typically bind with some of the aragonite anyway. I just would not use tap for top-off and water changes, but some do and still have good results.