depends, most tap water is ok but obviously RO is better as long as you build up the alkalinity etc. with a good salt mix and supplements.
don't know about your well water or whether anything is particularly bad about it...
not sure what you mean by "going into the meter"
TDS is a measure of all dissolved solids and I'm not sure why you'd have a higher reading coming out of the filter, (assuming you meant filter, not "meter") even if the filter was bad. But I don't think a reading of 11 is anything to worry about necessarily, depends on what's causing the reading.
I'd use the water coming from the RO even if it's in need of filter changing, has to be partially filtered at least. And you'll use a little Novaqua/StressCoat/Prime anyway to detoxify any copper/metals etc. in the water....
edit: again, I just don't know what the dissolved solids in your water are. If they're agricultural runoff, then that's bound to be bad, if it's salts of some sort, then it's probably just fine.