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It sounds like John has more information than is available in the question, but my general preference would be for centralised treatment (certainly including some form of filtration if your source turbidity is 5-30 NTU) with primary and residual disinfection.

If, for some reason, ceramic membranes are still required at point of use (due to network problems?) then a quick and dirty test is to measure the chlorine residual before and after a clean filter at all likely chlorine concentrations. If there is a significant reduction in chlorine concentration then the chances are something in the filter has a chlorine demand (most likely the silver, but we have also had issues with potting polymers in the past). If it has a significant chlorine demand then further research is required to determine the effects of that demand - in my previous experience, long term chlorine exposure would likely have caused the filter to disintegrate & pass untreated water.

If you intend to maintain the chlorine demand long term, but must also have point of use filtration, have you considered ceramic (or other) filters without the silver?