Alotta ppl throw "must do or must use" around all the time, is it warranted, sometimes yes, sometimes no. Education and research will greatly help cut thru the advice. RO/DI water is distilled or 99.8% pure h20. At 99.8% pure there will be basically nothing but inert molecules bonded with the H20. Tap + well water are far from pure. Theres tons of stuff bonded to it, some good, some bad, some deadly. Untreated water can contain - Ammonia, Nitrate, Chlorine, Chloramine, Silicates, and Phosphate. Along with excessive stuff like dissolved protiens, zinc, iron, sodium, and copper. It may very well also contain chemicals from leaching like Snap shot, Round-up, Tordon, 24D, to name a few from improper agricultural and ornimental landscape use. Fish can handle most of this stuff - corals and inverts not so much. Either or they are present and everytime you add tapwater the most harmful will need to be removed via Dechlorinators + Carbon. The rest of the stuff with fish only and basic florecent lighting will lead to diatoms. The diatoms will eat phosphates, nitrates, silicates, and excess trace metals in the water. These diatoms flourish under not so intense lighting. So long as the nasties are present they will live and spread. Add more intense lighting like T5HO or metal haliade lighting you now have an algae breeding ground. The intense light coupled with the nasties in the water will allow for more obnoxious strains of algae to bloom, photosynthisis, and spread.
When you get into hard corals things like phosphates inhibit their ability to process calcium, that is a very bad thing. Phos occurs naturally, it's part of decomposion so high levels Nitrates and Dissolved protiens generally walk hand and hand with high levels of phosphates as they are created thru organic breakdown. Phos in tapwater generally comes in all kinds a ways, mostly tho from the Ag industry. It with nitrogen, excellerates Floras (corn,grass,trees) growth rate, it's excessive use is also destroying our estuaries and reefs. PO4 builds inside of aquariums and with reefs needs to be removed. If you use tapwater Po4 will always be present as it's added via w/c's and top off - Hence RO/DI waterchanges/top offs. The fun dosen't stop there, as you advance in the hobby you'll come to realize that your salwater reef aquarium generates it's own nasties that need to be removed. Also adding elements that are used by the life within' to insure stability.
In the USA tapwater cannot contain what is called Harmful levels Nitrate - enufff nitrate to make one sick if they drink 5 gal of water a day for 100 years. At 8 ppm the EPA shuts the station down, most never reach 5ppm. However nitrate also builds within the tank as it is natrually occring. With Fish you need to moniter nitrate levlels as it can lead to stunting aka nitrate poisoning in excess. If you have alotta fish or messy eating carnivours, nitrates can be a real health issue. Generally this is controled thru tank maturity and manual water changes. When using Tapwater w/ say Nitrates @ 4 ppm and tank readings of 40 ppm doing 10% weekly w/c's your removing 4 ppm then adding 4 right back. Ideally you'd like them to be below 20ppm for fish. This is one reason why RO/DI is used for fish only - another method is, stock less and feed less (LNS-low nutrient systems). Best method is add slowly to your aquarium RO/DI or not, don't let the nitrates build faster then the BB can convert.