It sounds as if you are saying, Mr Bill, that the tests that there are, may be beyond the equipment or expertise of the average darkroom enthusiast so to be on the safe side use the manufacturers storage times as Rudeofus has suggested. I am sure this is the 100% way of ensuring quality. By definition this has to be the 100% sure way.
Hi, well I guess I didn't straight out say it, but the average home enthusiast COULD just process a short strip of their own film, then compare it, perhaps on a lightbox, to an "ideal" processed neg, ideal being when the developer was new. So this would be probably the best test without special equipment, imo. But I dunno if it's worth the trouble for most people, including me. For non-critical stuff that I could reshoot, if necessary, I'd mostly just go by manufacturer recs.
Regarding the manufacturer's storage times, etc., I think it somewhat "depends" ... I've only ever been familiar (somewhat) with municipal water in the US and one area in Canada, but I know there are at least some significant variations. So there are likely some water supplies where the published recs don't hold up, but I'm just guessing. (We had another division with something like 600 minilabs, but each location was prescreened, including looking at the available water, prior to putting a lab there, so we never worked with really bad water.)
I will say that I'd trust Kodak's published (for the general public) recs as much as anyone's; in my experience they tend to be pretty conservative (towards protecting the user). But I'm not sure I'd trust Xtol in flaky water, without a personal verification that it seems to hold up ok for whatever the spec storage life. I don't know enough about Xtol to really have a legitimate opinion, but there has been enough internet talk to worry me a little. (My local water is pretty decent for photo work, so I won't personally run into that issues.)
One comment on the black leader test; my only concern is in the possibility of a chemical "fogging" situation, which again, I don't know if this is a possibility with Xtol. To explain what I mean, look at the color developers. If you contaminate them with bleach, you can get a really strong chemical fog on your film. I don't think you'd see this on a black leader test, which might lead you to think the developer is ok when it is not. Again, I dunno if this is a possibility with Xtol, but in either case.the test of processing a "normal" test neg would still be a reliable test. Just my two cents.