Thanks again for every thoughtful reply. I feel more prepared now and to me, this is what this thread is about. I hope to post my results to improve my understanding in the next week or so.
David: I find the best approach to be using room temperature for everything, unless room temperature is less than about 66F or more than about 74F. If you have your chemistry at room temperature, and that temperature falls within that range, the manufacturer's information will include a recommendation for how long you should develop the film. The times for the other chemicals generally need not be changed.
A lot of insight, anecdotes, and useful information provided here.
Yes thanks! Very much appreciated. Some APUG members even took the time to PM me with additional insights and hints... I'm impressed by how friendly and helpful people are here!