tomasis, most developers aren't active enough to need an acid stop. The water in the step between development and fixing acts as a gentle stop bath.
Hypo clearing agent (hypoclear) and Photo-flo are two separate chemicals. Photo-flo has been well explained, so I'll tackle Hypoclear. Hypoclear is basically a salt solution (sodium-something, I can't remember off the top of my head) that is absorbed by the emulsion to displace any remaining fixer. This acts as a washing aid because hypo is easier to rinse out than fixer.
For example, Tom's process is:
develop
rinse
fix
wash, running water 20min
photo-flo, 30s no agitation
dry
with Hypo, it might go like this:
develop
rinse
fix
rinse
hypo, 3 min
wash, running water 10min.
photo-flo, 30s no agitation
dry
From what I've been finding, the Ilford rinsing method (which many of the posters here use, or a variation thereof) seems to be archival enough for the ISO standards, something along the lines of 500 years stability.
That process would be:
develop
rinse (water stop)
fix (non-hardening fixer!)
Ilford rinse
fill, invert 5 times, drain
fill, invert 10 times, drain
fill, invert 20 times, drain
photo-flo, 30s no agitation
Dry
As you can see, the quickest and cheapest solution. Something to be recommended for those of us with tight budgets (money and time)
Incidentally, the lab I learned in did not use Kodak's recommendation on photo-flo. (1:200) It was closer to twice that, and with distilled water instead of tap. We never had problems with foaming. We also used stainless steel tanks and reels and you weren't allowed to leave unless everything you checked back in was clean and dry!
I hope this helps.