Yes diluted XTol is one shot.
Water stop is fine. Real stop is just faster at stopping development. I use a real stop first then a 30 second rinse to protect my fix. You could do a two bath stop with water for the same effect.
I test the fix before each session with left over 35mm leaders. You're looking for the time to clear the film. If it clears in under a minute I reuse the fix. Clearing time x 2 is the minimum fix time. Some films like TMax and Delta need more time to help get rid of color tint, extra final rinse helps too.
For all the modern films I have played with the hypo clear step isn't required. Hypo clear's sole purpose in today's world seems to be for use with fiber based paper.
Developer: use multiple soda (PET) bottles (1L or less) or better yet glass bottles filled to the top to keep your developer fresh
Stop: water rinse is fine.....I rinse, discard, fill and let is sit a few minutes and dump again....overkill? Probably
Fix: what everyone else said. I usually just keep track of the date and discard after 3 months unless I am doing a large volume of film since I don't usually hit the capacity in that time. I always give is a sniff too because that is a hint if it has gone bad.I never re-use fix that was used for printing.
Permawash: don't bother for film. I only use it for fiber paper.
Washing: Photoflo mixed tends to go bad on me (things growing in it). I usually mix 2-3 drops of concentrate per liter plus about 10ml of isopropyl alcohol.