I'm less sceptical when it comes to homemade fluids. I think most detergents are up to the task of cleaning a vinyl surface but a rinse stage is essential. I was frustrated by freshly cleaned records coming out noisier until I started doing a thorough rinse.
And you're absolutely correct that tap water is lethal.
You're missing my point, I'm not skeptical of homemade fluids at all.
Repeatedly bathing records in tap water that is allowed to dry is going to make for very, very noise albums that resist conventional cleaning methods.