. Fungus can and does attack exterior glass surfaces of lenses, but as these are easily cleaned, one can wipe it off as soon as one sees it.
Waterproof binoculars are generally much less prone to fungal attack, assuming that they have been assembled correctly in the correct conditions to minimise fungus.
I don't know what you mean about the high-end glass, but generally high-end glass is more susceptible to fungal attack than simple glass.
Very old lenses made of basic class types i.e. lenses more than 100 years old are often free of fungus because the glass type is hard and just not susceptible to this type of attack. However, I think even granite might be attacked by fungus. I think that the old softer flint glasses do probably suffer more from fungal attack and also from devitrification, where they become opaque.
For instance, the UK 12 inch Cambridge telescope had to have a new lens made from modern glass because it became unusable. I think this was about 150 years old. The modern objective lens is very good.
I think that the fungus feeds on what leaches out of the glass.
As an aside, I bought two Minolta cameras, old film cameras, and they seemed to have bits of dust in the viewfinder.
I realised that the dust was moving, and it was going round in circles on the Fresnel screen circular depressions. These were some kind of mites. I can't remember if I counted six or eight legs. The size was something like 1 mm, perhaps smaller, but I can't remember. I put both cameras repeatedly in the freezer at -18°C, two days in two days out for about five cycles. But I still was not sure if they were dead dead or just sleeping dead. So I gave the cameras away. Unfortunately I also had the rare 250 mm F/5.6 Minolta mirror lens in the same package. I also gave this away perhaps stupidly as I've seen these going now for £400. I hope my friend realises that he got a good deal as the whole package was free.
I have never bought anything else from this dealer, although I don't know if it is the conditions that he stores things in.
Besides fungus, lenses like the 7 inch F/2.5 Kodak Aero Ektar suffer from star shaped faults from the cemented pairs, where the balsam is failing. It looks, bad but I don't know if it really affects the performance.
More importantly, because two of the internal lenses are thorium glass, they have become brown and they probably act like a T/4 lens rather than T/2.8 or so. They are coated seven element lenses, made for 5" x 5" film. The 12 inch F/2.5 is similar but much larger, made for 9" x 9" film.
Taylor Taylor Hobson lenses and their more modern successors have always been made to be disassembled easily for cleaning. But many lenses need specialists to disassemble, clean and re-assemble. The main problem is then that they are then probably not properly aligned or collimated. For instance I had a Vivitar 600 mm F/8 solid Cat lens that was simply superb. But a secondhand one was awful, as clearly it had been taken apart and reassembled. And I've seen many other similar cases. Even so-called professional repairers do not have the facilities to perfectly align lenses. If one finds an essentially perfect lens, it is best to leave it alone unless it is really bad.
With binoculars, those who are able should clean off the fungus and also the film of moisture that forms on the surfaces, as besides anything else the transmission becomes low.
If I see fungus in an optical item I generally avoided it like the plague, as I am not able to repair it myself, although I have done with large aircraft lenses in the past. My mantra is that the fungus will not get better. It might stay the same but probably will get worse. Although it could be that the marks are the result of fungus that has been cleaned off and there is no active fungus any more attacking the glass.
The fact is that not all glasses are attacked by fungus, as there are glass items centuries old, which are still good. But modern glasses are often exotic, and only survive because the coatings are so hard and properly applied. In fact with the best lenses, many have to be coated immediately they are made, as they tarnish almost instantly. There is a lot that goes on in lens making, which the average user doesn't realise.