I've actually been considering changing my downspouts to run into a barrel at either end of the house. I was thinking the same thing, that sitting in the barrel would help disperse contaminants and allow larger particles like the rock from the shingles to settle to the bottom. I'm just not sure if it would be better to tap the water off near the top or the bottom of the barrel? I would guess a few inches above the bottom, so the solid particles don't get picked up, but below any gases or oil residue from the top?