I thought an acid stop bath was mandatory, if I can get away with washing with plain water then I'll do so.
There are two parts to the stopping process the first part literally neutralizes the developer and the second part rinses it away. Water really only does the second bit on its own. So it depends on how critical your developing times are - some developer stays on the surface of the film after you empty the tank, and the acidic rinse is better (quicker) at stopping it from altering the developed result. If you just use a water rinse, then there is the possibility that the development process continues (although possibly at a very low level) for an indefinite and uncontrolled period of time during the rinsing.
I forgot I need a changing bag too, as I don't have a dark room. More things to buy.
just in case you forgot anything else, this is the standard stuff I use for 120 film
- changing bag (1m square)
- two reels and a tank that can accommodate two reels
- thermometer (mainly to check the XTOL temperature)
- 1 litre jug (for measuring and pouring the developer etc) - better to have a few of these than just one that you keep rinsing
- two sets of clips for hanging up the films to dry
(Also for 35mm film a kind of tin opener thing plus a pair of scissors)
- XTOL
- The Kodak Tmax fixer
- citric acid based stop bath
- Foto Flo (or is it PhotoFlo - I can't remember but the bottle lasts a long long time)
- plus, of course, lots of cold running water
PS there are a few good videos on Youtube showing people doing the changing bag stuff - I found this quite useful after a 20 year gap in my developing experiences !!!