There are a few different stages to the white problem but the first stage is where the white spots form on the sides of the front lens element. Because it its not in the optical path most dont see any degradation in their pictures. The problem arises from crystals forming from the black paint that was used as anti reflection blackening. It is heat activated, so you may have a lens with no spots whatsoever and you take it out on a hot day in the car or something and get home and there they are! The fix is a matter of having the front element removed, cleaned and the sides repainted, but as someone mentioned before the lens cell is difficult to dismantle but not impossible. If the crystals get really bad then they break off and move onto the lens surface and sometime etch the coatings, its this stage where it can affect image quality but most dont seem to get to this stage fortunately.