I find it amusing that people would argue against the dominant design for filling water tanks - the deck fill. Really? Quite ridiculous in my view. Nothing could be easier and more convenient than filling via the deck fills.
(Regarding the waste and fuel, I was jokingly suggesting that some might also eschew the deck fills for these, too, and fill their fuel tank through the inspection port, and pump out their wast through the inspection port.)
My 40 gallon tanks take 7 minutes each to fill at my home port. It will vary according to water pressure and flow rates at the hose, of course.
That hose doesn't sit around and get dirty inside. It probably pumps 1000+ gallons of water per day on the weekends.
I'm really not super concerned, but I would like the additional peace of mind a good filtration system will provide. I don't want a point-of-use solution, I want a whole-boat solution. So, I'm thinking of adding a 10' sediment filter, maybe 5 micron, and then a 10" carbon block 0.5 micron filter, to the pressure side of the pump. I'd change the elements annually as part of the water system recommissioning process, and provide for a bypass for winterizing; i.e., for winterizing remove the filter elements and bypass. I have also purchased a water meter so I can keep track of how much water I push through the system, for filter life, etc.