Your local fuel oil dealer will sell you a paste that can be stuck on a dip stick, or tape measure if the tank is harder to access.
A couple of bucks and IF you can get it to the bottom of the tank it will tell you how much -if any- water is present.
No water ? away you go. With a case of fuel filters as insurance.
If the fuel is very old , and was hot, it may turn very dark.
The fuel is clumping , trying to return to tar.
Very easy for the filters to stop , no problem.