Just to make sure, since your description has me a bit confused: Your last (very last) solution before hanging the film to dry should be Photo Flo mixed with distilled water. It sounds to me like you're adding an additional distilled water soak after the Photo Flo, thereby negating its benefits.
If your Photo Flo is working correctly, there should be absolutely no droplets on the surface of the film at all, on either side. If you have droplets on your film, you'll end up with marks caused by uneven drying rates which look very similar to what you have posted. Make sure the water on your negatives is one continuous sheet that slowly drains down to a corner. Adjust your dilution till you get this reliably. You want the minimum amount of Photo Flo needed to do this.
If you have very hard water, you may have to extend your time in the final Photo Flo/distilled water rinse to ensure that enough mineral is leached out of the emulsion to prevent mineral deposits. Five minutes is not too long. Use fresh solution each time and a large enough volume as well.
Don't be so adamant about not removing water from your film. Yes, film squeegees are scratching monstrosities, but there are alternatives. I've gently stripped water off of every negative I've developed in the last 30+ years by squeegeeing the film between clean index and middle fingers. Never a scratch and never a water spot.
Best,
Doremus