Awww! Well, think of it this way. Most people start the "wrong" way, and end up with just as much frustration (and wasting a lot more money) than those that try to do it the "right" way.
The problem I've found is that there are a few sorts of people.
1. Old hats that found what works for them...and are still doing the same thing 20 years later (which is why undergravel filters still sell.)
2. Old hats that keep trying to learn everything...they fail, they succeed, and pass the good advice on to us...you just have to know good advice when you hear it.
3. Moderate level aquarists just struggling to get by
4. Newbies who think they know everything b/c they managed to keep a non-photosynthetic gorgonian alive for 4 months and give poor advice to everyone else
5. Newbies trying to soak up every ounce...and get swamped
Yes, this hobby has a HUGE learning curve. But, it's not insurmountable. The best thing you can do is to join a club like this...unbiased (or relatively so) that can give you info that is best for *you*, not our wallets.
Let's start...how are your chemicals testing? What are you testing for? When do you think your tank will be ready (what are you basing "ready" on?) How much live rock and live sand do you have?
My fiance and I started our tank, and *got by* with dechlorinated tap water for about 6 months. What happened after that was not worth the few pennies we saved. My rocks had soaked up all of the phosphates in the water...and spent the next several months leaching it all back out into the water. My tank really struggled for a few months. If you're not willing to drop the money into an RO/DI unit, no worries. What I would do is buy a $20 TDS meter (total dissolved solids) meter (measures the number of junk in the water), and check the purity of the water at LFS. Or, only use LFS's water that will test it in front of you. You don't need 0 TDS necessarily (I run at 11 TDS with no problems, but the lower, the better.) Each tank is different though. Some people have algae problems when their TDS gets to 5. Anyway, that's a fairly inexpensive way to run a tank (although RO/DI water does cost a bit more than tap water.) Several of our sponsors sell RO/DI water, and they'll probably show you the TDS.
Each LFS is unique and has their share of pros and cons. Everyone probably has a preference based on their unique needs. Some people may love a certain store because they carry awesome fish. Another person may love a different store because they carry awesome SPS corals. Regardless, people are going to bad mouth each store for what may be stupid reasons.
Please feel free to post any and all questions you have. We also accept rants and raves.
Welcome to the club and hobby as well. FWIW, I looked into a planted tank a while back, and remember thinking to myself, "wow, I could have a crazy saltwater tank for all the effort a planted tank would take!" So, you can do it!
One last note, please feel free to post your "wanted" livestock list. We'd be happy to look over it.
Nikki