Plain water is not very good for dissolving mineral spots on negatives and prints since tapwater is already saturated with the minerals that you are trying to dissolve. A rinse in a stopbath will dissolve the spots since the minerals are soluble in acid. The spots are on the surface of the film and any gas generated easily escapes and cannot cause any harm to the emulsion such as pinholes.
BTW, the problem of pinholes caused by gas being generated in the emulsion by carbonate developers reacting with acid stop or fixer is grossly overstated. This is particularly true with today's prehardened films. In fact in over 50 years of photography I have never seen the problem. When pinholes are seen they are from a defect in film manufacture.