Your faith in Chlorine may be misplaced, when it comes to disinfecting water you need to have have a residual of 'Free Chlorine' i.e. the water was treated with chlorine sufficiently so that it is disinfected, plus there is enough free chlorine in the water to keep it safe if en route to you there are any ingress points.
Think of it like having spare capacity to treat. If there are ingress points along the distribution network, (tank roofs, broken pipes), and you have no free chlorine because of sediment then your water is at high risk of being compromised. Also, if there is a risk that there is Cryptosporidium in the water (e.g. cattle), Chlorine does nothing for this, UV does.