Do the typical household fish stress if the tank is not cleaned?

Tank water was pea green and smelled.
Fish were eating good, swimming and in general nothing was wrong with them. No sores or dead ones or anything. They were just hard to see.
Some fish like dirty rivers.
Can go salt water to fresh and back.
Survive when heavy rains make their clear stream muddy for a week.

Does a fish ( I know not to put human emotions on a fish for Ogs sake but hang with me here.) feel better in clean water or whatever water it naturally prefers?

Has this ever been studied?

I just changed the filter on our little tank that the wife likes. I am a bit anal about not letting it get dirty but I have seem some… But the fish are fine for years… What is the straight dope?

Duplicate reported: