Once you start introducing heavy metals and chemicals, filtration and purification get exponentially more complicated and or expensive.
For most natural water souces, filtration is generally adequate. Viruses tend to cause the most problems with filters due to thier size. Fortunately, the majority of viruses occur in third world dumps, but any disaster that mixes sewage with water sources will create the same threat vectors. The most economical means of dealing with viruses is via chemical means for purification. There are several systems on the market that both filter and provide a chmical matix for purification. Activated charcoal offers some protection against some chimicals, but both chemicals and charcoal have limited shelf lifes where their efficacy drops off.
Iodine is one chemical that does well against viruses, but not all hardened bacterial spores. If suspended in water, it will last several years. I still have iodine crystals in Polar Pure bottles over 15 years old.
MSR used to make a battery operated MIOX device. It basically, converts rock salt and water into a mixed oxidant solution with an electric charge similar to the solution mixtures like Aqua Mira.
Regardless of your filter/purification system, you should store potable water. Setting up a distiller isn't difficult, but requires a lot of fuel and effort when dealing with chemically contaminated water. Rain catches are another simple and effective method for moat areas.
The closer you are to urban areas, farm runoff or flood plains, you really need to consider a chemcial means of purification and activated charcoal integrated into your filtration. If your primary water sources are compromised short term, you can likely get by with stored water, boiling, filtering/purification; however if it's a long term, large scale contamination event, your stored water will get you started and your eventual bug out will rely on those other mechanical or chemical means.
As to UV, it works, but the water souces really need to be clear and they don't help with heavy metals or chemicals. Several of the silver impregnated ceramic filters have proven effective for bacterial and viral contamination and are good long term filters.
I have recreational water filters and treatment, but I also have homestead filtration and treatment. We have a well and spring fed lake, along with decent rain fall, so the homestead is pretty robust. Still, having a means to deal with viruses and other contaminates offer solid options to bugging out or to home if required.
ROCK6