Keep in mind that this isn't a forever decision. You can always add a can to either side down the road. After messing with these for a decade plus this is my take but 5 stage is probably the sweet spot of cost and performance for most people.
3 Stage RO: ~ 50 times Better than tap water. Outside of easy to treat disinfectants, the biggest issue with tap water is often sky high
calcium and alkalinity. To a moderate degree,
nitrate and phosphate. The RO only system is going to remove a vast majority of the disinfectant, calcium , alkalinity, nitrate and phosphate. There will be some left over but once diluted in the tank it is typically not a big deal.
4 Stage RO/DI: Somewhat better than RO only. The DI's biggest advantage is just peace of mind. You got the last 2% and using ~lab quality water. I'd use this if I had some nasty contaminants like chloramines,
copper,
arsenic or
ammonia gas. Reality is most of us have one of these so RODI has become the defacto solution for purifying freshwater for reef tanks.
5 Stage RO/DI: Dual carbon is what I recommend to my friends as longs it fits in their budget. Why two carbon blocks? Carbon blocks are far from 100% effective and let more disinfectant through the longer they are are on. Running two in series means the first
dramatically reduces the disinfectant the second has to deal with and becomes very efficient. Typical blocks are
near useless on chloramines as well.
6 Stage RO/2DI: Only real value for me is I don't have to monitor the exhaustion point of the DI resin and avoid
the purge.
7 Stage RO/3DI: The Cation > Anion > Mixed Bed resin configuration does produce higher quality water. Mostly because the different stages have major pH differences that change the form of some contaminants like Ammonia or Silica and makes them easier to remove. I think that
value is negligible unless you nerd out on water quality. The biggest value comes from more efficient use of resin. In a typical mixed bed the Anion resin
runs out way before the cation does so you throw away perfectly good cation resin. When you separate them in the 7 stage configuration you only change the one that needs it. For me that is typically 5:1 meaning for every 5 anion cartridges I only use one cation. Another benefit is resin swaps and overall maintenance is reduce and why I typicality use 7 stages.
This is a summery of decades worth of researching, building, using and creating videos on RO/DI. Hopefully it is helpful :)