Its easy to find out your basic water parameters. Either call your water company and ask them to send you a breakdown, or google your state/city/water quality report, and with a little digging you'll get the break down.
If you do frequent water changes, your tanks and tap shouldn't be that far apart.
With aquarium strain fish from LFSs, water chemistry breakdown may not be that significant.
Although I believe the many of the HITH cases seen in oscars is due to being kept in water parameters they have not evolved to live in, and even 100 years of aquarium breeding probably doesn't alter 50 million of evolution.
Especially when you start getting into more sensitive species like Geos, matching water parameters to their natural specs really comes into play to keep them healthy.
If you have soft, low TDS water, the Amazon basin fish would work well.
If hard, alkaline water with high TDS, species from the western slopes of S America and Central America may be better choices (ie Red Humps)