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The main difference between a water softener and a water filter is what they remove from the water. A water softener is specifically designed to remove hard minerals, while a filter removes a wider range of contaminants above a certain size, such as bacteria and other impurities. If your primary goal is to remove minerals, a softener is the best choice. If you want to remove various contaminants for safety or taste, a filter is more suitable. Filters are also typically less expensive to install. Depending on your water supply's specific issues, you may need to install both systems for comprehensive treatment.

Drinking hard water is not known to have any negative health impacts. Using hard water can lead to dry skin and hair, and the minerals in hard water can build up in pipes, faucets, and appliances. Hard water is more of a threat to your plumbing than it is to your health.

A water softener is a worthwhile investment if you live in an area with hard water. While hard water is safe to drink, it contains minerals like calcium and magnesium that can cause significant problems over time. These minerals build up inside pipes, reducing water flow and eventually corroding the plumbing system, which can lead to leaks and a shortened lifespan. Hard water also damages fixtures and appliances, potentially resulting in costly repairs. Additionally, it makes soaps and detergents less effective, meaning you'll use more product to get things clean. By installing a water softener, you can prevent these issues. The initial investment is often recouped through long-term savings, including lower energy bills, reduced appliance and plumbing maintenance, and spending less on soap and cleaning supplies. Other benefits include cleaner linens, dishes, and clothing, as well as softer water that is gentler on your skin and hair. In some areas, a water softener can also increase your home's value, making it a valuable long-term investment.

If your water softener repair is fairly straightforward, like a simple filter replacement, then you can probably do it yourself with little risk. However, anything beyond a simple fix should be addressed by someone with extensive plumbing expertise to avoid costly water softener problems, like leaks. 

That said, even simple problems can be complicated to diagnose, particularly if your water softener is attached to a whole-house treatment system. So, unless you feel absolutely certain that the problem is an easy fix that you can take on yourself, it's probably best to hire a plumber to diagnose and fix the problem.