I have heard that you should not use RO water on fresh water systems except for top off. The reason being that RO water is similar to distilled water and acts as a solvent (in a minor way) because it has no solubles in it. I have heard it is not very good for you to drink either. Salt water tanks have salts and minerals added to the water so in that case, it would be the best thing to use as it will dissolve the salt mix well and when topping off does not add anymore "stuff" to the tank. For top off, it should not matter salt or fresh water and I would think RO or distilled would be best.
I think it really depends on your tap water as to if it is OK to use strait (other than de-chlorinate) or filter by some means. I use tap water for all my tanks but I am on a community well and I know what I have at the tap.
Carbon filters do a good job of removing chlorine and several other toxins but leave most of the beneficial minerals. If you are only worried about chlorine, than you can leave the water out for 24 hours to let the chlorine gas off, this can be hard to do if you are doing large water changes, unless you have a large container and plan ahead. If the water is not pressurized, the chlorine should gas off or so I have read, I have never tested this myself, but I have used the practice for watering plants.