Developing film

Hello, I am new to the darkroom and am learning by experimenting. I'm sure my question is a very simple one for those of you with experience, when developing film do you develop for the speed of the film or the speed you shot it. I had the wrong film in my camera and took some sports shots with 125 and had to shoot at 400+. Also, do any of you use a film squeegee after the photoflo. I would think that it would harm the negatives, they do look kind of streaky and I wonder if that is why. Thank you.

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