They’re not competing products. They fix different problems, and most Southwest Florida homes have both problems.
A softener removes hardness. Calcium and magnesium, dissolved in the water, pulled out through ion exchange. That’s the scale on your fixtures and inside your water heater.
A whole-home filter removes what’s floating in the water rather than dissolved in it. Chlorine, sediment, the compounds that make water taste and smell off.
Here’s the part that trips people up. Hardness minerals are dissolved. They go straight through a filter like it isn’t there. No amount of filtration will soften your water.
And a softener doesn’t touch chlorine. It isn’t a purifier and was never meant to be one.
So if your complaint is crust on the faucets and cloudy glassware, that’s a softener. If it’s the taste of your coffee or the smell in the shower, that’s a filter.
If it’s both, and around here it usually is, you’re looking at both units.
Which One First, If You Can Only Do One
Depends what’s costing you more.
If the water heater’s on its way out and you’ve got scale everywhere, soften first. That’s the one doing damage you’ll pay to fix.
If the water’s fine mechanically and you just can’t stand drinking it, filter first. That’s the one you notice every day.
Neither answer is wrong. It’s a question of whether you’re protecting equipment or improving how the water feels to live with.
Worth saying: a test tells you which problem is bigger, and it costs nothing to find out.