I have just started reading about fungus problems in other threads.

Does the white spot fungus become prodigious in a pond after a big chill event, or is there always a little fungus in the pond and it becomes an opportunistic infection on the fish only after they are severely stressed?

I ask the question because the most recent "big chill" was clearly predicted with several days of warning.

Is there anything to do for fungus protection in our ponds that falls into the "an ounce of prevention is worth a pound of cure" category?

(Not counting the typical efforts made for year-round water quality management.)