Regarding "Schneideritis", no fungus comes in play.
Real Schneideritis seems to be a bit more than only missig some colour.
What I have seen are spots between the colour (which seems to be , as said before, more a coating than a painting) and the glass, but the coatings themselves has been fine.
This eventually means that this coating reacts in anyway with the glass over the time.
This further may result in tiny holes .

Once I had to open an Angulon with rattling lenscells, and this are some impressions from inside:

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So far, and well known.
But in looking from another perspective, I would not say that Schneideritis isn't causing problems in some cases:
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Unfortunately the client didn't want decoating me the black coating, and he has not tried this lens after my restoring - but I really expect some problems.

Ritchie