I guess this was less interesting than i thought it would be lol.
So to humor my self. Chloramines are just a clhorine molecule covered in amonia molecules. Most people think its to aide chlorine in dysinfection. Some think its a corosion inhibitor.
The only purpose the amonia is added for is prevention of THMs. Thms(trihalomethanes) are a carcinogen (cancer causing) and are formed when free chlorine and natural organics are mixed together. Our tap water is full of natural organics, and alone are safe. Once chlorine is added however the thm is formed. Amonia when added to water encases the free chlorine molecule and basically shields it from the natural organics. Hence our use of chloramines. However, chloramines allow for a much higher growth rate in biofilms in water mains. To clear the systems water plants will do a free chlorine burn for a month twice a year. Most people notice the increased chlorine odor and taste and assume that they have added more chlorine to the drinking water. However the truth is they simply turned the amonia pumps off and alowed the chlorine to be free.
Maybe this weite up will atleast shine some light on the water you use every day for your self. (Side note our local plants use ro and uv Sterilization processes. Ive ran a tank on this for years. Only problem was added silicates for corosion prevention made for some ugly algae....ro for me now)