I used to temper stop and fix in a water-filled medium sized plastic storage box with an aquarium heater (rubber suckers adhere to side) and thermometer, holes cut in the lid and 1" polystyrene insulation cut to fit the outside bottom and sides. Realised after a while that this was overkill.
Current darkroom has the bench over the central heating boiler - an old one, not very efficient so gives off quite a bit of heat. By moving the chemicals to different locations I can vary the heat gain. I always move a bottle of distilled water around with the stop and fix (all in acrylic type straight sided 1 litre wide necked drinking bottles), and use a thermometer to take the temperature from that. So if you have a source of gentle heat, get to know it, with experience you can gauge how long it will take to heat the stuff up and just plan ahead.
I think the dev temperature is more important than that of the stop and fix (within reason).
No water supply in the darkroom so for dev and main rinse water I mix water from a boiled kettle and tap water in a large jug, adjust using a thermometer and decant into thermos flasks. We are on a spring, so the supply is probably full of all sorts of bits and pieces (it does have at least UV treatment before it gets to us).
I used to get a lot of debris on negs, I sought advice from the one remaining analogue photographer at a local club and he suggested always doing the final rinse with distilled water. I do that now (actually I use it for the final rinse and the photoflo dunk) and it makes a world of difference. Hence the bottle of distilled water ready at the ballpark temperature.
Print trays I boost temperature if required with a vivarium heat mat. Works a treat, nice and gentle but not too sloooow.
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