Part of the problem with a lot of the use of "soil" and the experiences thereof is the poor understanding of soil and what is required. Garden soil sold in most stores is just ground up and composted (barely) mulch (sometimes hardwood tree chips, sometimes bark, sometimes pine mulch), with sand added. There is almost nothing that would be considered actual soil available, and even certain brands that used to be one way are constantly shifting the source material based on supplier. It's a mess. All of that light organic matter is usually barely composted and has no clay or silt particles to hold nutrients long-term and the poorly composted organic matter winds up tying up beneficial bacteria for a long time while releasing who knows what from whatever trees the stuff was made from.
Most people would be better off using riverbottom sandy loam or silty loam (as in dirt right next to a river or stream) if going the dirted route. It's got some small clay content that can hold/bind far more nutrients that other particles (think perpetual nutrient storage), but has the sand and organics that make for a good long term structure. It can just be dug up near the shore and left in a container to dry out and sterilize it a bit if desired, or just used with whatever is in it (highly unlikely to have fish harming critters). I'm not into sterilizing, but a light baking at 175-200 for an hour should do the trick without altering the chemical structure.
There is a simple test that soil scientists often use to get a rough idea of the soil type called the "spit test". Take a little soil, spit in your hand and rub it in a circle with your finger. You will be able to tell if there is sand, clay will feel slippery, and silt is somewhere in-between. Organic matter will be left sort of "floating out" as dark particles. It's a crude, but effective test with a little experience.
The point is, there is a mixed bag of experiences with dirted largely because there is no consistency or understanding of the dirt itself. I would never use bagged "soil" except to modify existing soil that was lacking in organic matter or to help with pH. A bit of peat moss will help with acidification and adding organic matter to high clay soil. Additionally, mixing sand into a clay soil (dry the soil first) will make a more desirable type.
Dirt isn't for everyone, but it's certainly a very good long-term substrate (with cap of course). Somebody should write a proper book about just the dirt part of all of this.