Before I had my daughter, I spent quite a bit of time outside. I was a member of the Alpine Club of Canada, a frequent hiker, devout skier, mediocre climber and aspiring mountaineer.
I learned to look at everything in terms of greater risk. So, if I'm lost outside and don't have any fresh water what is a bigger risk? Am I an imminent risk of dying from dehydration, or is the thirst so extreme that I'm becoming a danger to myself? In that case, I've got to figure out drinking, even if it means that I'm drinking out of some nasty watering hole. On the other hand, if death isn't imminent and (if I'm alone) I'm still aware that I'm talking to myself, I would avoid unfiltered water.
I've never hiked or climbed in Europe, but I remember talking with another climber who told me that the biggest difference is when you're outside in North America, you find tons of garbage everywhere, whereas European climbers and hiker all seem to have internalized the lug it in/lug it out mentality we should all aspire to. Does that match your experience?
If that is the case, I would be at far greater risk of drinking sketchy water in Europe than in North America. I've been in relatively remote places in Canada and yet, I can always find a plastic pop/water bottle discarded on the ground. As long as you've got a plastic bottle and fire, you can boil water. It's horrible tasting water, but it's safe.