From doing a little reading about the reactivity series of metals, you will find some metals are very reactive (they can react with water) (K, Na, Li, Ca), some metal a little lower on the reactivity list will react with acids, these are above hydrogen in the list (Mg, Al, Zn, Fe, Sn, Pb,) as well as the metals that we listed above), then we also see the metals that can react with oxygen (Cu, Hg, Ag as well as those above), then we see metals that are very nonreactive like gold and platinum group.
also some metals are so reactive (in a certain substance like air or a certain acid that they build a protective layer or passivated layer, this oxidized layer protects the metal from dissolving further with that acid or substance the protective shell of oxidized metal keeps acid or substance from attacking new metal, some metals like iron also build an oxidized shell but like iron the rust layer flakes off or allows acid or air and water to get under this layer and attack more metal.
From this information we see we can dissolve several metals into acid, without using an oxidizer,
we Know that copper will not dissolve in an acid like HCl, but it is reactive to oxygen, and the copper oxide will dissolve in HCl, but we also know if the oxidizer is too strong it can dissolve gold along with the other base metals (which would be a mistake),
So here you see why we may use straight HCl on a material to dissolve the tin from the solder, make the lead a powder of lead chloride (soluble in boiling hot water), and to remove other base metals like aluminum zinc or iron, leaving us copper and gold, which we may choose to dissolve the copper with a copper chloride leach (AKA acid peroxide solution), leaving us gold foils.
Something to add to this is,
While your studying the reactivity series you will notice how a metal higher on the reactivity list will replace another metal lower on the list which is dissolved into solution, example if you have silver dissolved in solution , how adding a piece of copper metal to the solution will cement out silver as a metal powder.
Also if you have metal salts, they can have certain solubility's, knowing these can be very helpful which salt is soluble in water, acid or what substance, how soluble is it (how much will dissolve into this solution), and if the solution needs heat how much more will it dissolve into solution at what temperature, or can we remove a salt from solution by cooling off our solution, this can also be very helpful separating one metal salt from another.
So yes you can dissolve metals in an acid wash alone (depending on what metal or acid we are talking about).
Temperature can also be an important factor in our processes.