^ FWIW I've seen several folks on various forums also saying they think putting chemicals into the tank is terrible - they have not added any conditioner for years with chlorinated city water and have never had a problem.
I started out with Stress Coat since thats what the lfs 'pushed'. But once I got on various forums and found out about Prime, especially since its significantly cheaper, I have only used Prime since (well except for my auto system that uses inline chlorine/micron filter).
There has also been discussion that aloe vera causes nothing good really, and can only add to the organic waste in the tank.
If it were me, with only chlorine (no chloromine), and had I not bought a 2L of prime, I'd get some pure sodium thiosulfate for chlorine and skip any of the rest of the additives - at least if I could not plumb it in. But prime is also nice to have handy in the case of ammonia spike, etc.