I don't use BeerSmith but I do use Bru'n Water and have tried the Brewers Friend software. My advice would be to do like KellerBrauer says and trust but verify. Well not so much trust, more verify. All of these programs are explicitly intended only to get you in the ballpark; BW says you ought to be within 0.2 pH units, and indeed my actual measured pH is generally approaching 0.2 lower than the prediction (and very occasionally further off) even though I do not rely on generic city water reports but actually test regularly. Brewers Friend gave acid recommendations that were absurd in some cases and I just don't trust it. Moreover they all need to rely on certain generic assumptions that simply don't apply universally in the real world; though derived from empirical data they are still generalizations (hence the disclaimer about just getting you in the ballpark.) The software can be very useful for getting an idea of how a completely new grist might need to be approached. But with considerable experience under my belt before I ever used software, I usually find I can do all my calculations by hand guided by experience and intuition and get consistent and accurate results, because I am applying accumulated real world experience. This is how the algorithms in the software are developed and refined, but you can develop your own in your head, as it were. Software is a useful tool. But you need to keep actual records and let them be your guide to learning how the software does or doesn't help you, and how to adjust your use of it.
Long story short, yes, get a pH meter.
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