I'm a registered civil engineer in Florida; pretty scary process involved in drinking water preparation. Here most of the water is pulled out of a deep underground aquifer. First step is to add massive amounts of acid to lower the pH, this prevents the reverse osmosis membranes from scaling up. After the RO the pH is raised to near neutral using alkaline chemicals. Various other trace chemicals are added to adjust hardness prior to adding chlorine literally as it leaves the plant and heads towards a storage tank or the watermain distribution system. Water is processed continuously, not in batches. The chlorine is injected into the system based on the chlorine levels downstream, not a perfect process, but close enough.
Most sanitary lines are gravity and usually several feet deeper than the water lines. There are also rules that apply to constructing the lines several feet apart horzontally. If a gravity or sanitary force main ruptured, it would be nearly impossible to get bacteria into the watermain since it is under pressure itself. The chlorine in the water mains is essential to keep bacterial from growing in seldom used lines and to ensure that any minor contamination sources do not affect the entire system.
I'm not a big fan of drinking chlorinated water, the most effective way to remove it is using a charcoal filter at the final drinking source - I added one to the water line on the fridge's water / ice dispenser.
I do not know the effect of low levels of chlorine (3 parts per million) on the durability of waxes and sealants, I would imagine that the hardness of the water - the main source of water spots - would be more of a problem. Water softeners can help this by exchanging calcium ions for sodium ions, but since you live in an apartment this probably is not an option. As far as "softeners" in products, I'm not sure how they work or if create an ion exchange. They could be sheeting agents that reduce the water tension preventing the formation of small beads of water so the water (and minerals) slide off the surface instead of beading.
Sorry about being heavy on facts and light on solutions!