I did, I now use an Ro unit. I talked with thefilterguys.com on the phone. They were awesome, and did not upsale me at all.
I had the water tested and everything looks good at about 35ppm tds, mostly iron. I still had a fair bit of algae growth until I added the Ro.
It is a pretty inexpensive part of the hobby and can help you avoid a lot of pain. Even testing now will not give you an accurate "feel" for your water.
The water in your well can change content depending on the season, so for what it is worth, get the insurance.
-Todd