I'd want a backup method in case it broke or failed. 
Seems to me the only way you would know it failed is if you become ill with a water borne agent. 
 
  Yep.  There's no reliable way that I've ever heard of to test a filter unless you've got access to some sophisticated lab equipment.  There's no "home kit" that you can buy.  
I guess you just have to replace your filter periodically or use other means.  The lack of a means to verify that the darn thing works is a HUGE negative on filters.
HJ