My line of reasoning is that I want to keep my TF-5 as close to neutral pH as possible. Its strong concentration and near neutral pH are what make it capable of very quickly and effectively fixing a print completely, and then rinsing out quickly as well. While it sounds like it's buffered enough that some residual developer and/or acidic stop bath won't be causing wild pH swings anyway, I've been getting away with plain old water stop with no measurable or observable problems for over a year, even with fiber paper. Not only that, but my water is itself somewhat alkaline (pH of about 8.1 out of the tap). So introducing even a significantly less concentrated acidic stop bath is, I think, balancing the scales of pH on either side of 7 better than plain water, and there's no need to use full-strength acid bath.
All of this is very much armchair chemistry, and I suspect it's not going to have much of an effect on anything anyway. So I guess at the end of the day, I'm doing it because I think it's theoretically a bit better for my workflow than using either plain water stop or full-strength 1:63 stop, and even if I'm wrong it's probably no big deal one way or the other.