You are talking about film developing, right? I think it might depend on what film you shoot. I shoot Ilford Delta ISO 100 and I use:
* Ilfosol-s liquid (because it is good for fine grain)
* water stop bath (because water is cheap and is fine for film stop bath)
* Ilford Rapid Fixer (because...well, because that's what I bought!)
* I do my final rinse in distilled water (2x)...seems to work better that photo-flo for me
I have had great results with these! Hope this helps!
BTW - I do use an actual stop bath when I develop prints, bt not when I develop film. Everything I've read says it is not necessary.