Hi okiebelle, In my opinion you are worrying needlessly. The way people refill tanks with fresh tap/source water is "all over the place" and rarely do we hear of anyone having bad problems. As Mikaila said, dechlor works instantly and its effect spreads throughout a volume of water very rapidly.
There are members that dechlor the tap water in a bucket before it goes into the tank. There are members who dose the tank itself with dechlor simultaneously with the tap water going in to it. There are members with mature biofilters who are perhaps not making huge percentage changes who don't even use dechlor at all.
My personal opinion is that the three behaviours listed in the previous paragraph are ranked in order of risk from least to most in the order I put the sentences in. In mature tanks with hardy and common fish, the risk is apparently pretty low overall. Personally I use the second method, splashing half my dechlor in as my Python begins filling and splashing the other partial capful in near the end of the filling. I dose the declor as if I were filling the entire tank even though I'm filling only half.
A couple of smaller details about the subject of dechlor are: Water authorities often vary the amount of chlorine/chloramine unpredictably. They will "dump in extra" without warning. This is the main reason that using dechlor, or using it at 1.5x or 2x dosing is recommended especially during the earlier stages of fishless cycling, as the possiblility of a fledgling bacterial population being hit by any overdose of chlorine/chloramine exists.
~~waterdrop~~