Just to close the loop on this.
We went with the seperate spigot. We chose the Culligan system. I chose this for a couple of reasons. Number one is that it allows us to pick different filters depending on what level of filtration we want. We can go from simple taste and sediment all the way to chemical/biological contaiminents. The parks we go to are generally state parks and while the water may not taste great it is safe and monitored. I guess I am not as paranoid as others about the water since I am a chemist and all the other stuff I have been exposed is gonna kill me way before water does!
My only worry is storing between camping trips? They do make filters that are bacteriostatic but I don't know how to find them. What do other do?