I'll probably filter in general.
Boiling is a much more reliable method, and in practice many people find it more convenient. There are excellent filters these days, that aren't too much labour to use, but you often see cyclists with a small pump filter, which is exceedingly boring and time-consuming to use: I had one and soon couldn't be bothered. You can boil up a few litres at night while you read a book or write your diary, and leave it to cool for tomorrow. You'll need to have the ability to carry several litres of water in any case for when you are riding through more arid areas, if you are doing longer versions of the ride - a few drink bottles you saved on the way do the trick, though you might like, as I do, an Ortlieb water bag as they are light and pack up small. Iodine tablets, for occasional use, are also convenient, and if you put a small amount of fruit juice/cordial in your water after you've let the iodine do its work, it takes the iodine taste away.
I agree! We usually filter our water, but on the CA we took some right out of the streams. Maybe we have been lucky. ;)
I also frequently drank water from streams without purifying, I just needed a bit more discrimination over it. In more northerly areas, there can be agriculture, in the sense of stock-keeping, quite high in the mountains, so you need to be fairly careful about what might be upstream from where you are - I've seen cows at 1000m in the Lake District, so that far north you need to be very careful. My mistake occurred much further to the south, when I was camping at a farm, on the shores of Lago Carrera, and it was evident that the farm's water supply was straight from the stream, and they drank it untreated - as is common for example in the Scottish highlands, so it didn't worry me. But I made the mistake of taking water at a location where stock access to it. I should have walked upstream to get uncontaminated water.
Giardia can occur as far south as Torres del Paine at least. So lake water should always be treated.