Hieee...
Fungus attacked on lens my or may not be "end of the road situation". It depends greatly on its extent.
I have in herited a couple of lens in the past which are really bad and had tried some option slike:
- getting km to clean (i think ~$60-$80++)
- Self clean.
In any case, if the fungus grows really-really bad, then there is a risk of coating degenration due to fungus already etched into the coating.
Most modern coatings may be "ORGANIC" and done to processes like vapour deposition. Hence its basically a really thin film of coating on the lens. In cases where fungus has etched into the coating, if the fungus is cleaned, it will leave a "map" like foot print of its presence in the past. Though such degradation may have minimal effect at times (not all the time) - cosmetically it looks bad form the outside due to the patchy anti-reflective coating.
I have done some "feat" on some no value old manual lens that had fungus (hand me down lens) growing from the edges - from paper gaskets lens separator separators. After removing the fungus the etched coating looks bad. So i ended removing the coating it self. It made the lens look really good. No more patchy marks. Testing out the lens.....hahaha....cant see any difference.
So my best advice........use the lens often. Dry box does not mean you're safe. The mor eyou use your lens and get it out in the sun the better. One tip from some old birds....for extendable zoom type of camera.....if you go to "pollen infested" place like where there are lots of flowering plants - like during spring time. Try to zoom in and out a few times to flush any posibility of pollen sucked in the lens once you leave the area...
Happy shooting and happy holidays...
rgds,
Sulhan