Re: I have 2 complete opposite questions...
No advice on the well water question.
On the insert question, we recently had to deal with this as well. We have been adding a hemp layer under the microfiber insert. We are using Joey Bunz Hemparoos, Happy Heiny Ovals, or hemp boosters from ebay. Really any hemp will help. The hemp boosters I got off ebay were $6 for 6 including shipping. I hope this helps!