I use tap water, RO water, or a blend of the two depending on what I'm brewing.
Our local water (southern California, Los Angeles Basin) is generally quite hard, but I'll use it straight (with Campden tablet treatment) for most dark/amber beers. I learned fairly early on through taste tests that this water is *not* good for particularly light beers like blonde ales, pilsners, etc.
I have a local mom-and-pop water store that has quite affordable RO water, and I will build up from that for really light beers. I spot-check the water with my TDS meter from time to time, and it clocks in pretty close to zero quite consistently (yes, yes, yes, I know that is only a general proxy for "true" mineral content...). Sometimes I'll blend tap+RO water.
Water calculators are pretty helpful for all of this, of course!
One thing I haven't done yet is spot-check my tap water chemistry at different times of year. I'm curious how much variation there is from the yearly averages for our water system.