I always use a 40-45psi regulator. However, In my previous vessel, a slow leak developed at the check valve right at shore water entry, fixed it. Then another developed at a back deck sink. As was mentioned, even with a regulator, stuff can happen. I never used shore water again on that vessel, always filled the tank.
The previous owner of this Hatteras, always has shore water connected at the marina. The first night on board, I turn on a bathroom faucet and the pressure blew out the aerator and screen off the faucet end. So the built-in regulators may not always protect you. The following day, I added a regulator at the pedestal, a filter and cutoff on deck right before the water connection. The filter slows things down even more but still plenty of pressure. After inspecting the water pipes, I felt comfortable enough to connect to shore water only when I am onboard and always cut it off at night time if we are staying on the boat.