With regard to the topic of whether dechlorinator is required or not, I acknowledge that chlorine will gas off and that chloramine will be processed partly by the ammonia oxidising bacteria and partly by gassing off, however I'm not entirely convinced that this makes it completely safe.
Whilst the effects of chlorine and chloramine on the AOB and NOB seem to have been proven, the effect on the fish is often forgotten to some degree. I've only ever heard anecdotal evidence from people who have stopped using dechlor that there seems to be no detrimental effect, but I also recall having read articles which suggest that it can be detrimental to fish health or even fatal.
There is also the issue of heavy metals to consider. Most good dechlorinators will detoxify heavy metals which are toxic to fish. What happens to these if no dechlorinator is used? They won't gas off like chlorine and chloramine.
With so many grey areas on the subject, and when I am able to give myself peace of mind for 84p per year, until some hard evidence that there is no negative effect on fish or bacteria is laid forth, then 84p I shall spend.
Craig855s, dechlorinating the water whilst in the bucket is desireable if it is practical to do so. However, many members on here have large tanks and don't use buckets at all (myself included). Instead we use hoses to fill our tanks. Obviously we can't dechlorinate the water prior to adding it to the tank when using a hose from the tap, so it is common practice to add dechlorinator to the tank before, during or after filling. I've never heard of it causing any problems. I personally add half the dechlor before filling and the other half during filling.
Over-dosing dechlorinator is also fairly common, and I wouldn't worry about it at all. Whether I'm changing 75 litres or 10 litres, I add 1ml regardless. Anything under 1ml is too fiddly to measure. Whilst it is 7.5 times the recommended dose for 10 litres, I'm adding it to my tank of 260 litres and so the excess dechlor is quickly diluted.
@Truck, can I ask where your 10% threshold comes from? I can't figure out why 10% wouldn't require dechlor, but say 15% or 20% would. I'd be interested to hear your thoughts.
Cheers
BTT