The stabiliser that comes in C-41 presskits always leaves white residue spots on the film. I can wipe them off the non-emulsion side with some isopropanol, but it is tempting to give a quick dunk in a PhotoFlo solution after the stabiliser.
I've got many years worth of XP2 developed in B&W chemicals that has never seen stabiliser. No signs of fungus even on the oldest (kept in plastic sleeves).