PE - we all know that silver halide peptizes with gelatin. And we all know that ionic silver can do so as well, as shown by the dark stains on the fingers of wet plate collodion photographers. But does the metallic silver that's being reduced in the film during development peptize with the gelatin? If so, then it will be bound to the gelatin, if not, then it's free to move somewhat free of the motion of the gelatin matrix.
Also, I don't think anyone has mentioned the elastic modulus of silver metal vs gelatin. I suspect that the elasticity of silver metal, even as filaments, is much higher than hardened gelatin.
I assume that expansion due to temperature changes is negligible for the temperature changes that we are discussion, but swell is certainly not. Silver metal will not swell compared to gelatin as it changes pH or even moisture content going from dry film before processing to wet during processing and back to dry again after.
If the silver does not bend to match the movement of the gelatin during swelling, then perhaps it could be pulled into a smaller volume than previous to swelling. The silver resists movement with the swelling gelatin, and the gelatin pulls free from the silver. As the gelatin shrinks back, the silver is caught by the gelatin and pushed into a smaller grain or "clump".
Does mechanical flexing of film cause this issue? I've never heard anyone mention it, but what about repeated flexing of a piece of wet film over a mandril of a small diameter, say 1/2 inch or smaller, to cause "clumping". You wouldn't want something tight enough to cause physical damage to the gelatin, but something that small might induce clumping if the silver is indeed not able to keep up with the motion of the gelatin.