1. Municipal water usually has chlorine and/or chloramines in it which must be treated chemically to make it safe for your fish. If your well water has been tested and deemed safe for human consumption, then it should be safe for your fish. Have it checked for heavy metals though, which sometimes needs to be treated.
2. The tests we talk about is one of the ways we know when to change water from our tanks. If the ammonia or nitrite levels get above 1 (in a cycled tank they are at zero at all times), this is a sign that a water change needs to be done to keep the fish from getting ill. Many folks change out water before these levels are reached. Your nitrate test also tells you that a water change is needed when the level gets above 20. These tests are your lifeline for your tank. You can't always tell by looking at your tank that there is a problem. If your tank is cycled, you can do water changes as often as you like, as long as you take precautions not to kill off your good bacteria.
3. You don't want to prevent the good bacteria from multiplying. This bacteria is what keeps your tank water stable for your fish between water changes. When your cycled tank shows ammonia or nitrites, this is a sign your bacteria is not at a high enough level to keep your water safe for your fish. Click on my link in my signature called "FishLore Articles for Beginners" for more information on the nitrogen cycle.
4. Your fish are probably dying because your tank isn't cycled, and your ammonia and/or nitrite levels are too high. In a cycled tank, these levels remain at zero. Any amount of these can be stressful to your fish. That's why the test kits are so important.
Please answer the questions asked here so we can help you. Where are you located? Maybe we can help you with your test kits also.