I'm curious on this one as well.
Ralph says in "Way Beyond..." book to use Ferri, wash, then fix, so that un-converted silver can be removed. I understand, for most toners, complete fix is important as staining can occurred. Can you please explain in layman's term, why the discrepancy exists between what you say and Ralph says?
I typically use two step sepia toner, brown toner, and selenium if that makes difference.