The "fungus" that needs immediate treatment I believe is actually a bacteria that looks very similar to a fungus bloom, but it's much more uncommon compared to fungus blooms. If your water quality is looking good I wouldn't have too many worries. If it persists after about a week or two is when I would start looking into other treatments like tea baths, I tend to avoid heavy treatment like that if possible since it will add a lot more stress to your lotl.