Yes
Yes - care, but don't be too concerned.
No, and no. Such ectofungi are opportunistic, taking advantage of existing issues, not causing them.
Yes, and no.
Possibly, but in this case, probably not. The fungi are merely taking advantage of good growth conditions for them.
At a bare minimum, just be observant of the plant. You can always add a plant probiotic to "tip the scales" in the favor of the plant. You could use a disinfectant instead, but it might be stressful for the plant too.
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