I guess that while we have plenty of sediment in our water as you can see from the photo in the OP we don't seem to have calcium problems here. We moved into a 9 yr old home 2 yrs ago and there were no signs of calcium on any fixtures (and they were obviously "originals") so we don't need a softener. The filter however made a major difference in water quality. Water smelled like a YMCA swimming pool when we moved in.
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