Hi Tim,
Re: wetting agents. You only need a few drops per tank, enough to allow a few bubbles to form on the surface of the water when you agitate the surface with your fingers - if a thick foam forms, you're using too much wetting agent. I use Ilford Wetting Agent, which may differ from Photoflo.
Re: spots. What film format are you using? I've always experienced water spots on the shiny (non-emulsion) side of my 35mm negs, even using a wetting agent. I think it is minerals in the water. I've even experienced it in Devon, where it's soft tap water.
I've *never* had this issue with 120 film, so i wonder whether it's because most 120 is coated with gelatin on both sides.
In the case of 35mm film, just breathe on the neg and rub it off gently with soft tissue or clean cotton cloth before printing them. It'll be fine.
In my experience, it's better to use a wetting agent than not. If you don't, you risk drying marks on the emulsion side of your negs, which make a permanent mess. Squeegee-ing the negs may eliminate spots but risks scratches and serious damage. So unless you're a press hack and need your negs ten minutes ago, just relax and let nature do the work.