I'm not a chemist, but I will see if I can explain. Much of the damage Chloramine does is because the Ammonia rich compound keeps Chlorine in suspention much longer than water that has just Chlorine added and is also very hard to remove (which is why I recommend AMQUEL-it works). This chemical persistance is of course makes it much more dangerous.
However, One of my early and saddest losses was a rare species of Waglerophis that I made the mistake of misting with regular (fresh from the tap) Chlorinated water. It was dead within hours.
One of the dumbest mistakes I ever made.
While FWC,s are an extremely hardy species, fresh from the tap water is directly exposing it to an undetermined amount of Chlorine-which can't be good. So why risk it?
How many times have you taken a shower and felt the Chlorine irritate your eyes?
Frank
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"The luxury of not getting involved departed with the last lifeboat Skipper..."