I suspect a lot depends on where you are. I have drunk from lochs, burns etc all over the Scottish Highlands and never suffered any ill effects. I think you have to take a common sense approach. Have a good look a way upstream. If there are no deer.sheep etc in the water it is probably OK. Are you near/below habitation? If yes then be careful. Are you out in the wilds miles from anywhere? Then you are likely to be OK. Beware of lochs in the summer. Many of them can have an algal bloom on them and some of its biproducts are toxic, they have killed dogs, for example. If, as you say, you are particularly interested in hot drinks then boiling the water for a while will do no harm. You can help the situation by burying all human waste a good distance from a water source and being careful about personal hygiene. If, after all this, you are still in doubt use sterilising tablets