There seem to be a number of people out there who don't think it is necessary to keep negatives once they have been scanned. For those people, this would be fine.
Final Rinse contains the same or similar surfactants as PhotoFlo does, so it fulfils that part of PhotoFlo's role.
For clarity, the bactericide is only necessary in colour and black and white C-41 processed negatives, because the C-41 process removes the silver from film.
Processed "normal" black and white film still has silver in it, and silver itself is an excellent bactericide.