AVs are easy to some, hard for others. But I personally wouldn't call them fussy. Some cultivars are more fussy than others, variegated species require cooler temperatures for example But overall as a plant, not fussy. And you're not naive.
The thing about the chlorine/chloramine, Dracaenas are known to develop fluoride burn from tap water. That doesn't make them fussy, they're just more sensitive to it. Same with AVs and chlorine.
Planto