Rrog you are pretty much answering your own question- yes, there are wildly varied tap waters, and different feeding schedules listed for nutes. Yes, nute solutions contain Mg and Ca, but the LEVELS may be insufficient. It depends what the manufacturer assumes to be a good 'average' tap water mineral content that they are trying to complement with a formulation, and you will see that yes, there are actually 'hard water formula' nutes. There's no 'soft water' nutes; it is simply assumed that anyone running with very soft water from any source will use enough calmag to raise their background EC to the point where commercial nutrient formulations will work correctly on top of it.
Hope that helps.
Hope that helps.