I'm in the "campden is cheap insurance" camp. You can buy a 25 pack from morebeer for 2 dollars. At 1/2 a tablet per 10 gallons, you are talking 4 cents a batch. I'd rather pay the 4 cents and not wonder if my filter is running slow enough actually get every bit of the chloramine out. Chlorophenolic off flavors are detectable in very low amounts, and when they are there, they are horrible.