If there are droplets on your film after the Photo Flo, you haven't mixed the it correctly. Photo Flo is a wetting agent designed to reduce the surface tension and, thereby, prevent droplets from forming. The presence of droplets on your film means the wetting agent isn't doing its job and was likely mixed too weak.
So, first follow the directions and mix as the manufacturer states (1+200 for Photo Flo 200 IIRC). Dunk some film in it and see if droplets still form. If so add the smallest amounts of concentrate you can till you get the desired sheeting action. That will be the dilution you need to use from then on. Unless your water is very hard, I'll bet the suggested dilution will work perfectly for you.
If your water is hard, mix your wetting agent with distilled water and let the film sit in this final rinse for a few minutes. This will not only prevent droplets, but allow minerals from your hard water that are still in the film's emulsion to leach out. This will prevent them from making marks/streaks/deposits on your film when drying.
I squeegee between index and middle finger after dunking my fingers in the wetting agent, but my hands are nice and soft

If you mix your wetting agent so it works correctly, you won't have water drops on your film; you can decide to squeegee or not. If you don't, the film will take a bit longer to dry.
Don't save mixed wetting agent like Photo Flow for very long; it grows bacterial slime after a few days.
Best,
Doremus