I do not know anyone to compare with, but I would say that I am already very careful while handling film. Nevertheless, I will give it another go. This time being extremely careful not to damage the emulsion.
My comments are in general (so may not be specific to your issue). One problem I've seen in recent years is a sloppiness in B&W film processing in particular poor temperature control and this is even more important with poorly hardened films.
You'll note in this thread that Vaughan and I both used older films from Ilford and Kodak before they really improved hardening, it was very critical with these emulsions to keep very step of the process +/- 1ºC (0.5ºF) of the chosen working temperature usually 20ºC throughout the process stages including washing. The films would reticulate very easily, frill, emulsion lift off, if there were sudden temperature changes. That's why I say you need to take care, I learnt the hard way, tight temperature control - checking for any drift during development & correcting).
Many on the forums say don't use wetting agent while the films are on the reels, that's a huge mistake, it needs to be done while the film is on the reel and in the tank, you need to keep handling of wet film to the absolute minimum - that's the time for most care
. Just wash the reel and tank with reasonably hot water after which you should be doing anyway.
I've shot quite a few rolls of Fomapan in 120, well over a hundred+, and a few boxes of 5x4, usually at 20ºC but some at 27ºC while in Turkey, and have no problems (except the once as I mentioned above which was my own fault).
Ian