It depends. As an example, there is a plus side to chloramine treated tap water, which is one can build massive bio beds with nothing more than water changes. How so? It's really quite a simple concept.
When one performs water changes (with a proper water conditioner) there will always be 'total' ammonia left behind, which is safe for your fish, but at the same time is still utilized by your bio bacteria. If you have a large capacity of bio media, eventually you can take a bio bed that supports a few small juvies, and expand that bio bed to one which will support a colony of adults, by nothing more than water changes.
The more water changes you perform, and the larger they are, the faster & larger the bio bed will grow.
Many years ago I experimented by I placing two AC 300's on a 25 gallon tank, which contained 4 very small (approx 1.5 inch) juvenile African cichlids. I performed a 50% water change every 5 days, and within 3 months the bio bed had grown to where I could add 13 sub adult cichlids (2.5-3.5 inches) with no spike in ammonia, or nitrites. The tank already contained enough bio bacteria to easily keep the ammonia produced from the fish, in check. It's basically a fishless cycle, using nothing more than tap water. With chloramine treated tap water, and large frequent water changes, my bio-bacteria is kept at max limits by both the fish, and the water.