Film Latitude

I'm getting ready to shoot Ilford films for the first time. I've picked up some Delta 100,400; HP5; and FP4. Anyone with experience using these film have suggestions for EI ratings? Also, If one "pull" exposes these films i.e. shoot Delta 400@200 is development compensation really necessary? Why do photo labs charge more for pull processing when all that 'changes' is less development time?

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