I tend to boil water if I do anything. I have drank plenty of untreated/unboiled water an not experienced any adverse consequences. I just try to pay attention to where I am getting it from, if I have a canoe, I get it from the middle of a larger lake, the UV kills a lot of the bad stuff. Also, side note: the whole debate about how long you need to boil stuff is moot. Once you actually get water to a boil, it will have been at sufficient temperature long enough to kill anything living in it. Boiling something for 10 minutes doesn't get it any hotter, boiling water is always 212 degrees F (give or take 10 for altitude and impurities), it just wastes fuel.

That being said, I am looking into a good filter to get rid of most of the crap (visible and invisible).