I think your right on! It is only on the LR and only the LR I got from the LFS. I'm not at all familiar with a phos reactor. Is there such a one for a tank my size? The water I get is exactly as you described. Only I get it from Wal-Mart. But yes, I did start the tank with tap, back when I didn't know any better. I've been using ro/di for more then 3 months now.
I want to thank you for your explaination! Percise and to the point, specially for this newb to understand. I feel a little hope coming on!!! Thank you again!