If any solvent containing water should get on the emulsion it will cause the emulsion to swell. Even when the emulsion dries the spot will still be visible. The gelatine becomes distorted, it has nothing to do with impurities other than water. Isopropyl alcohol does not work well with greasy deposits.
I think the key with using a water containing solvent, is to immerse the entire strip, because then the emulsion will swell and shrink in a predictable manner, just as the film does when it is processed.
This is all preventable, get some lint free soft cloth gloves intended for the purpose, only handle negatives while wearing the gloves, and keep them stored in a cool, dry place. If you don't get dirt on them in the first place, you don't need to clean them.
If they do get dirty, the best cleaning agent is distilled water with a couple of drops of wetting agent in it, you need to be very careful and remember that the emulsion will be soft when wet and can be damaged by mechanical contact.