I don't think anyone has come up with a definitive answer to these quirks of Nature! It seems that of the various suggestions, any could be right or somewhere near so, in one situation and not another.
For just to put the cat among the pigeons - or bats - there are some tiny helictites growing on a ball-valve on the cold mains water to an open tank where I work. It's in a large room, rather cool in Winter but sometimes hot and humid in Summer. The water is hard (South Dorset's chalk aquifer) and is creating a hard calcite crust around the tank sides an inch or so above the surface - but these helictites are delicate little whiskers perhaps 10mm long so far, growing more or less horizontally from the fitting. They might be associated with spray but seem too fine and regular, more like "proper" cave helictites, for that.