I live in the Southwest US. It is hot in the summer, both the room and my tap water are warm, and my tap water is very hard. It's fine to drink, but it's rather hard for film developer.
I mix developer stock solution with room temperature distilled water. This is say 82 F. I usually use a 1:1 working solution, and while diluting I put some tap water ice cubes or tap water that has chilled in the refrigerator in it as part of the dilution. This makes it easy to bring down to about 75 F, which is well within the range of developing charts and so on. 80 F would probably be okay, but it is not hard to hit 75 F. I don't care about mixing some tap water into the developer working solution: it's usually less than half, and even a half-distilled, half-very-hard solution is only mildly hard. If I really wanted to fuss over this, I could chill a gallon of distilled water in the fridge, and use that plus room temp water to make a full distilled solution.
I use tap water for the stop, fix, wash-aid, and water wash. I figure 80-85 F is fine for those. I haven't had any issues due to the hardness. I also do not worry about modest temperature changes like moving film from a 75 F to an 85 F solution, especially not with a modern emulsion.
I use room temp distilled water for the last stage, the Photo-Flo. I don't squeegee, just hang it up to dry.