Thanks everyone for your replies. For some reason I didn't get any email notifications, even though I subscribed to my own thread. I just assumed no one had answered. I only have this problem with this forum...
I do think the point about conversion of NH3 to NH4 is correct. I have lingering questions about how nitrogen-fixing bacteria use NH3 vs. NH4 and the effects that this ammonia->ammonium conversion might have on the bacterial population density and robustness, etc. (particularly for tanks at different pH levels...mine is 6.0-6.4). These lingering questions are the main reason I don't use dechlorinators.
Prime is definitely SUPER concentrated, and this is another problem I have with it.
Anyway, I did purchase the Salifert test kit for chlorine and chloramine and it arrived yesterday. I tested my tap water twice, about an hour apart, and the first test measured >1ppm, the second test 0.1ppm. I think the only difference was the pressure from the tap; the first time it was quite low and the second time it was on full strength. That would suggest that I have 0.1ppm chloramines in my water and >0.9ppm chlorine, which gets off-gassed during aeration. However, I need to explore this more with specific attention to the pressure of the water.
For now, I'll continue using rainwater for my water changes while I'm testing chlorine/chloramine tests. As I demystify my "dechlorinator & nitrifying bacteria" questions, I'll update this thread.