If you have sufficient time, waiting for a fungus free lens is always the better option. The question is how long will it take, and what will it cost when it comes up for sale? Generally speaking, nice examples of the more popular/common lenses are available with and without defects like fungus, and the price difference isn't sufficient to opt for a defective lens. In other words wait for a good 'un.
Regarding "cult" lenses such as Leitz and Zeiss, very clean examples may be beyond your budget. Whether the potential impairment outweighs the quality of the lens is a decision for the individual purchaser. There are videos available with owners extolling the virtues of their lenses, which show sufficient internal fogging to be rendered unusable, and certainly beyond the reputation of the lens to overcome. On the other hand spots of fungus, especially towards the front elements, will only be discernible directly into the sun, and not always then.
Some people will put up with any optical or mechanical shortcoming so long as the right name is on the front of the lens. Then it becomes a question not of photography, but of jewellery.