I think you have it about right Mark. The acetic acid - or similar - is a simple and effective answer if you have the white deposit problem. If you are going to use another acid solution after your thio - most gold direct toners for example - you can often skip the acetic acid step.
I would always do bleach work before toning. Toned prints may not bleach well after an archival toner. Between the 2 fix baths is a good and convenient place to do it. If bleaching down to white, you will have to spot that in afterwards on the dry print.