Here's my thinking as of now:
I've decided to just do a water rinse of the freshwater cooling system before filling with new coolant, since there's no evidence of corrosion and there's lots of downside to using too strong an acid inside the motor. So far as I can tell, this motor has never had the problematic Dexcool in it, so hopefully there's no "death gel" to get rid of. I might use the Prestone Flush solution, which is not acidic at all. Sodium citrate is actually a mildly basic buffer, presumably to neutralize any trace acidity from the used antifreeze, so it can't hurt.
I opened the end plates of my HX today. The insides of the tubes are not blocked, but looking through them shows some evidence of mild scaling (looks like a dirty trumpet leadpipe), so I think a quick acid flush would be useful. I've confirmed that the plug threads for the zinc pencil are 1/4" NPT, for which I have a nice hose barb attachment. So I will connect tubing and a funnel, and hold it above the HX to gravity feed just enough acid to do some mild de-scaling for 10-15 minutes, then drain and remove the end plates, maybe push a snake through each tube (if my trumpet snake is small enough), followed by a copious rinse by running the motor with tap water from a bucket. I'm thinking of using cleaning vinegar for the acid rinse since I have it already and it's less intimidating than diluting the muriatic acid. (KWKloeber - I've seen what happens if you add water to muriatic, so I'm very aware of the importance of adding acid to water instead. But I'm still a little intimidated about using it.)
Anybody want to talk me out of this, or strongly suggest another acid?