I find the best way to check a lens is to shine a light from the opposite side of the lens you are looking at because this will show up far more clearly and defect such as dust, separation, haze, and other defects far more clearly. This also includes a better idea where the problem lies. The 1st lens looks quite bad as it is, but a more accurate idea will be shown by shining a light from behind up through the optics.
As it appears on here I would not touch it.