Since my tap water is almost always over 80F, when I'm getting ready to develop, I load the film, mix the developer, then put the deveoper in the freezer while I get everything else out and ready. I've never bothered to temperture match the stop and fix, and have never had issues because of it. Once everything is out and setup, I pre-wet the film a couple times to get the dyes out, then usually the dev is close to temp. I've never tried the temp compensation calculations, because I figure its not hard to get the chemistry to temp the ideal temperture. Today, I feel like I could leave my C41 chemicals outside, and have them up to 105F in no time.