In answer to the original question, fungus growth requires professional cleaning - prevention requires the removal of at least one of the fungus's requirements - warmth & high humidity. Since refrigerated storage is probably impractical, you need to address the humidity - large packs of silica gel can be purchased quite cheaply and kept in the camera bag, cabinets etc. They do need to be dried out periodically to remain effective.
In the UK we tend not to have severe environment problems, so my storage is based on convenience and comfort. Currently I use a fairly basic Tenba backpack, which while not very expensive does the job really well - much better in fact than my previous, very expensive Billington bag.
Colin K. Work, Pixstel