I will tell you what you should do, metallurgically. What others do or you read/saw on the internet I don't know about:
ALL steels need to reach Mf before temper. On most simple carbon steels ( 1084, 1095) that is somewhere between 130F and 200F. On steels with alloying (52100, 5160, O-1, A-2, etc.) it can be between 0F and 70F. On high alloy steels and stainless steel, it needs to be at or below -100F. After cooling to room temperature, all non- stainless/high alloy steels should be cooled in cold tap water at a minimum.
Stress cracks form in steels that had high stress quenches and have sat for many hours or longer at room temp. If tempering within 3-4 hours, it isn't an issue. Cooling the steel to room temp will not cause cracks.
Tempering while still warm on a steel like O-1 will lead to retained austenite. Some of that will be reversed in the tempers, but there will likely be some that gets stabilized and will never go away. The final hardness will be lower than if properly done.