For developing film, I use acid stop when I'm going to use acid fixers, and only plain water when I use alkaline fixers. I don't buy stop bath, but use diluted distilled white vinegar. (Fears about "food product adulterants" are unfounded- white vinegar is a 5% solution of acetic acid in water, nothing more. Comercial Stop Bath products are also acetic acid- usually in lower concentration, around 2%.)
The acid arrests development immediately, which can be helpful to control development, especially with short times. Most of the film I process (and this is largely what I do for a living) is done at long enough times that I don't really need the stop for that- but I use it to prolong the life of my fixer, which it does. Not by a huge amount, but I process over a hundred sheets and rolls of film each week, and the use of acid stop prolongs the life of my acid fix enough to save me a significant amount of money.