>>> Normally I would have cut it off to preserve energy for root development but..
>>> Should I take that risk and cut the figlets immediately...
Yes, please do. As you said, the energy reserves in the twig will eventually thank
you for that. Unrooted twig figlets, as our good Dr. Al (tapla) always says,
are a big useless energy-sink (a waste in this case).
Thing of a starving good loving mother with a baby child and where the any available food will go.
Re mold: make sure that (at minimum) there is some air-venting.
And yes, mold is random fig twig killer, I speaking for myself, have not figured it all out yet.