You might not realize that when Kodak came up with the current color processes, C-41 for color neg film, and RA-4 for color paper, THEY DID NOT USE A STOP BATH. Probably more film and paper has been processed this way, including Fuji/Konica, etc., versions, than anything else in history (although I'm guessing on this). Anyone following the official process DOES NOT USE A STOP BATH.
I'm from an outfit where I spent years being personally responsible, as QC manager, to oversee the "process control," as well as the chemical analysis and final screening of all chemical mixes before use. In our main processing lab we ran several miles per day of C-41 film as well as a vastly larger amount of RA-4 color paper. My department also oversaw similar in several satellite labs, although they did not generally regenerate their chems. So I'm not just guessing at these things.
Having said this I should point out that these processes DO follow the developer with a lower pH bath that DOES halt the development fairly quickly. In the case of C-41 film this is a bleach; the first versions ran at pH ~6.5, as I recall. In the case of RA-4 paper this is generally a bleach-fix, aka blix, which combines a bleach and fixer together. The earliest version ran at pH running about 7.0, as I recall (depending on tank configuration - a single process tank ran a bit lower).
I should also point out a difference between commercial processing machines and small scale/amateur processing. The commercial machines generally use some form of squeegee between tanks, such that excess developer is stripped off the surface of the film before film enters the following solution. Then that following solution generally is mechanically circulated. Consequently there is little problem with "streaking" on the film.
In small scale processing, such as hand tanks, there's no clear way to quickly flush the developer off the film, so streaking could be a big problem. So it might be necessary to add a stop bath to the hand process.
Fwiw I'm specifically avoiding the topic of b&w films.