FWIW, the late Roger Hicks, a longtime member here, in his primer on photography, opined that a stop bath was not strictly necessary and that water would do. I used to do three water rinses to stop development, but now use a stop bath (Ilfostop). I made the switch after taking a workshop with one of Ansel Adams' last lab assistants, figuring if a stop bath was good enough for Ansel it was good enough for me. I wonder whether the use of a stop bath is more important when dealing with short development times, insofar as it enables one to stop development more quickly. What do others think?