Because my water providers source is Lake Michigan (alkaline), for about 6 months a year, water temps from the tap are in the high 30s to low 40s, and this water is super saturated with oxygen. Neither of these physical parameters would be good for fish that normally live in mid 70s'F water, if I did a large water change with it.
Even though I use the hot water tap to equalize temp a bit, I add water to my sumps instead of directly to the tank because of the super saturation issue (result...possible gas bubble embolism in fish). If I draw a glass of water, it clears from the bottom up (micro-bubbles) meaning it is very gas saturated due to cold water temp.
That said, I realize minerals can build up in water heaters, but that is (in part) what the valve on the lower part of the water heater is for.
At least twice per year, I place some sort of container under the low tap of the water heater, and drain out some water.
If it feels viscous (slimy), I drain more until it feels normal.
Not only does this practice keep the mineral buildup out of the fish water, it helps the efficiency of the water heater.
When I worked for the water works, people would call, saying their water felt slimy, I would go check their water heaters, and find for years, they had not drained from the bottom, and the buildup was significant.