KEH vs eBay is no contest - I've never got a lens with fungus from KEH. From time to time KEH will make mistakes, but they will also remedy the mistake. Despite buying lots of BGN equipment from them the only problems I have had is a couple of mislabelled items which they refunded without a quibble. From the sound of it you may be better off buying EX graded equipment which should be mechanically and optically (near) perfect and perhaps have a few very minor blemishes.