Strictly speaking, it isn't going to cause your film any problem to avoid using a hypo clearing agent... *as long as* you extend the wash accordingly. If you don't use HCA, you will need a very long wash (I'd have to research it, it's been so long since I've done this... probably an hour or more) to get the same level of archival stability that you can get with a one-minute rinse, a 2-minute HCA step and a 15-minute wash.
The only exception is if you use an all-alkaline process. If you absolutely insist upon avoiding HCA and you don't want to waste all of the time and water that a long wash requires, use an alkaline fixer and a running water stop bath.
If you are going to use an acid fixer, though, use HCA. The cost of the chemical is insignificant compared to the time and water saved.