All diesel fuel that I put in my tanks is filtered. I don't trust any fuel supplier. I use a special funnel that filters out water and anything bigger than the water molecule. The brand name for the funnel is "Mr Funnel". They are made overseas but there are Australian suppliers. There are probably other funnel filters brands out there as well

. I also add fuel treatment. The draw point for my keel tank is about 2mm from the bottom. This is to ensure that if anything gets in the tank, that shouldn't be there, then it comes straight back out. I don't think having a draw point 50mm from the bottom of the tank and saving the crap up for a rough day on the water (so it mixes with the rest) would work for me. Any fuel I carry in containers has treatment added and is regularly turned over by being put in to the keel tank (via the water filter funnel). Touch Wood, so far I have not had any diesel associated problems with my trusty Yanmar.