just to be cynical, look at it from the point of view of an lfs who doesn't really care about fish, just about profit margins.
the less tests they do for you, the cheaper it is for them to do them. If it's only nitrate that they test for then a reading of anything up to 40ppm (arguably more) is fine and means that they can sell you fish in 'clear conscience' that the tank is ok (although this is not in fact true cos it's perfeclty possible if not probable to have high ammonia and no nitrate), you can go and check your nitrate reading against any source and be told that it's fine, so if the fish die you can't lay any liability with the fish shop, you then go back and buy more fish to replace the ones that died, therefore spending more money in the shop, if you go in and ask them about the deaths they can also sell you loads of products and meds that you don't need.
OK so not every shops is so cynical... but some of them are.
we are here giving advice for free, in our own time, we have no concievable ulterior motive for giving out bad info.
ultimatley though you have to choose who you want to trust, best bet is to trust no one and every 'fact' you are given, cross check against as many sources as possible until you have a clear idea of what is true and what isn't.
regarding the other readings being a 'by product'.... every reading in your tank is a by product of some reaction or other.
simplified explanation of your main readings and why you need to test for each one.
pH - the general measure of hardness, alkalinity, acidity. every fish has they're own requirements for these factors, some are more fussy than others, many things in your tank (e.g. bogwood, gravel, plants) can have an effect on your pH in some way so it can fluctuate, particularly in new tanks you should monitor it to see if there are significant fluctuations hwich oculd affect your fish. in a mature tank you don't need to test for it all the time.
ammonia - this is what fish produce, they're waste, combined with things like dying plants and uneaten food, breaks down into ammonia. Even a small reading of ammonia is very bad for your fish so particularly in new tanks, this should be monitored.
in your filter bacteria grow which 'eat' the ammonia and convert it into nitrite
nitrite - this is the by product of the ammonia eating bacteria, it is just as dangerous to fish as ammonia is so should be monitored for in new tanks.
in your filter a second species of bacteria grow wich 'eat' the nitrite and convert it into nitrate
nitrate - this is the by product of the nitrite eating bacteria, it is still dangerous to fish but significantly less so than ammonia or nitrite, there is evidence that readings of up to 400ppm can be tolerated, however most advise is to keep it closer to 40ppm or less. nitrate is removed by water changes, plants will also use it as fertilisation.
hope that explains why you need to monitor all 4 levels, particularly in new tanks (although in mature tanks they should still be checked periodically and at the first sign of disease you should test all levels)
regarding your particular fish and hardness
mollies prefer hard water, neon's prefer soft (i think) but should be able to tolerate it
glass cats i'm not familiar with their requirements but you can check in teh fish species index and you'd need to tell us the species for your other cats for us to tell you.