Tom;
Of course, a hardening (tanning) developer solves this problem entirely, but not everyone uses a tanning developer.
Also, use of a hardener fix rather than a pre-hardener is preferred as you note above.
But, not everyone does tube or tank processing. Tray or hangar processing is subject to more scratching from soft emulsions and it is often desirable to pre-harden. As you note, the use of formalin makes that somewhat less desirable.
In the long run, softer films are subject to a number of process induced defects and the use of some sort of pre-hardener is indicated to improve overall quality. Some people see defects and some do not. Some people are concerned over the potential for damage as is what appears to be the case from Karin's OP.
I have read posts in which people complain that their film floated off the support during processing. In those cases, I suggest the same thing to them, but why do they have a problem and others say they do not with the same film? IDK. I can just generalize with a suggestion as I did above.
My final suggestion is to use what works for you. This decision, and the problem is not digital (yes or no) it is analog, or a series of maybe this or maybe that. It depends.
PE