I asked the same question some weeks back. I am learning to develop by inspection ( DBI ), and living in Northern Florida one has the same issues with water temperatures. After developing many sheets at 75 degrees F, and washing in Alistair's 8x10 film washer at a water temperature of 81-84 degrees F, I have seen absolutely NO problems with the emulsion using Efke 100, Delta 100, and FP4. I use Pyrocat HD, citric acid stop well diluted, and either Ilford Rapid Fix or TF4 ( I realize one is more acidic than the other, and have noted the recent thread on TF4 and the new TF5 with much interest ). Of course, the difference in temperature from 68 to the low 80's is obviously greater than the difference I was experiencing. PM me if you need any other information.
Ed