Hi Diane,
You've already identified both the problem and the resolution. Absolutely, the water needs to be relatively clear for UV to work. To do this, pre-filtering, settling, flocculation or some combination are needed. For glacier silt (going from memory as it's been a long time since I last backpacked Rainier Park) several layers of cloth or a coffee filter do a decent job, although really fine particles seem to still get through.
My caution about relying on a regular filter is they can clog quickly without similar pre-filtering or settling, so the routine shouldn't be terribly different from UV. Same goes for chemical treatment.
Cheers,
Rick

