Tom Hoskinson said:
The older (circa 1940 - 1946) Kodak fixer mixing instructions called out a fixer mixing temperature of 125 degrees F. (Kodak Data Book On Formulas And Processing, 1946).
I think the older Kodak non-rapid fixer formulae used sodium thiosulfate pentahydrate. This form of thiosulfate would lower the solution temp significantly when dissolving into water, and so you would want to use a warm water to prepare the solution to facilitate dissolution.
I haven't checked Kodak fixer for some time, but when I checked last, the packaged powder fixer used anhydrous sodium thiosulfate. This can be dissolved in room temperature water, or slightly warmer water with no dropping of temperature. So I suspect this is why they changed the recommended water temperature for preparing the solution. As you said, I don't anticipate a real problem coming from higher temperature water here, it just takes some work to drop the temp to the processing point.
The maximum processing temperature depends on the film. Most films made by Kodak, Fujifilm and Ilford would sustain 38˚C processing temp, as they are designed to take machine processing temp. Fixing process is more efficient and faster at a higher temperature. But some films (like infrared films, x-ray films) and films from other manufacturers may barely take 20-25˚C processing temp.
If I lived in the area where cold tap water is no cooler than 30˚C, I'd stick with Kodak or Fuji films, and developers that give excellent image quality when processed at 25˚C or even 27˚C (such as Kodak XTOL or DS-10 1+2, DS-12 2+1 or 1+1), and use 25-27˚C for dev, 30-35˚C for stop and fix. Just be gentle during processing, and those films should be fine at this range of temperatures.