As xmas has previously told me in another thread that stop baths don't stop development at all, I prefer to give credence to statements by the likes of yourself, PE, Gerald and so on.
There has been some research at Kodak that was heavily quoted by
Bill Troop, and the conclusion was that dilute stop bathes take a long time to stop development action. The reason for this is limited diffusion, i.e. you have a concentrated, alkaline and well buffered developer in your emulsion, and not much acid enters at first. Remember, you're not mixing two liquids here, you immerse a gelatine emulsion soaked with developer into an acidic liquid. I don't know whether the issue persists with today's thin emulsions.
While all the conclusions from this research may be valid, they may not matter for our practical purposes. In fact barely anybody cares (or knows) whether our film effectively develops for five or six minutes, but everybody would be upset about unevenly developed negs. And we have every reason to believe that standard stop bathes (which are quite dilute) give us evenly developed negatives even in large formats.
Since you mentioned Xmas, his warnings about emulsion swell and destroyed film applies to some emulsions, but AFAIK not to Kodak's, Fuji's and Ilford's. These three companies properly preharden their films, and that's why ECN-2 can use Sulfuric Acid as stop bath without suffering damage.