General Info:
Filters and membranes (i.e. Reverse Osmosis) are used to remove particulate matter like minerals, etc.
Carbon cartridges remove chemicals like chlorine. (These are always part of any RO system.)
If you want to remove bacteria and other living organisms that are smaller than a typical RO system will eliminate, say 0.2 micron, than you will need to purchase a system with a UV light. This will kill everything.
Having said this, it is important to perform the proper periodic maintenance on your water system, by bleaching out all of the cartridge holders, etc. Living organisms, as you know, are adaptable and over time will build up an immunity to the UV of you don't purge the system from time to time.
MG
PS: Check these guys out. They sell good quality, reasonably priced home systems. Once you go RO you will never go back.
http://www.premierh2o.com/