Thank you everyone!! I ended up falling asleep last night after I posted this, and the film looks okay this morning. I'll use your tips on the next batch though. Now that I'm developing my film, it seems I'm even more attached the the images on them than before -- so I really hate it when there's a water spot toward the end of the roll (the last frames on the long end that hangs down). I think I'll find an eye dropper to take the PhotoFlo out of the bottle next time, and only use 1-2 drops. They should have one at the pharmacy. I've never let it sit for 30 seconds after agitation either, so I'll try that too. Gotta figure out how I can dry it diagonally, as I hang it to dry on a clothes hanger in a dust-free bathtub/shower.
Thanks Nico, Konical, and Monophoto. I really appreciate your help on this one.