1.) What is mold and mildew?
2.) If one believes that they are fungi, then what are some of the processes for their remediation?
-I will proffer the following for your consideration:
1.) Mold/Mildew:
a. I agree that they are fungi---a living organism.
b. They are caused by a "solution" of water/moisture and contaminates, including
'dirt'.
c. This "solution" is a requirement for mold/mildew to feed on, and continue its growth/spread.
d. If this contamination is not removed it will surely alter, damage, and even destroy a surface's make-up.
2.) Since I believe that mold/mildew are indeed living organisms...To eliminate them I feel you've got to kill them! (Or, at the very least, neutralize them.)
a. 'Regular' soaps/shampoos used in a cleaning/scrubbing process normally will not facilitate removal/neutralization.
b. Fungicides are one of the 'tickets' for their removal/neutralization.
c. Elimination of moisture/contaminates is an effective means to discourage mold/mildew re-occurrence; and to neutralize existing growth.
d. Sunlight, and its accompanying UV rays, has been proven, and is arguably the most powerful natural weapon against mold and mildew.
I conclude, then:
A.) Most vehicle car-care protection products, some which you have listed, will impart, to a certain degree, beading or sheeting of 'moisture'. Some may well indeed contain UV blockers/absorbers...(But wouldn't/aren't these added UV-characteristics intended to further provide assistance to the top-coat paint film's (CC's) already built-in "UV-protectors" for the underlying B/C?)
1. This moisture will accumalate contaminates...The length of time this moisture/contaminates solution remains on a vehicle's surfaces, the more likely the opportunity for mold/mildew occurrences, as it were.
2. Besides thinking of alteration, damage, and even destruction of a vehicle's surface materials by mold/mildew growth...Ridding a vehicle of moisture/contaminates as soon, or as often as possible, will allow "protection products" to perform up to their best potential.
3.The Sun's UV rays will do the mold/mildew killing, if need be, then, for exposed vehicle surfaces...One must diligently seek out mold/mildew's 'growth-areas', and eliminate their feeding grounds.
To simply answer your question, though:
No...IMHO
-Hope my $.05 & 1/2 helps in some small way.
Bob