I've been wearing them for over 15 years, and I've never once had a fungus or mold. Like Jipsy, my natural nails are pitiful....very thin and brittle and because I bit my nails for so long, when they do grow out they grow crooked and wierdly curved.
I can't stand the way they feel when I take the acrylics off. I've only done it once, for any length of time. My nail tech talked me into taking them off for a while when I had my hysterectomy. Since I was going to be home for a while, she reasoned it wouldn't matter how bad my nails looked, and I could try to grow my real nails out. After six weeks, she agreed I should go back to the acrylics because my real nails were never going to look good.
Jipsy, I have that same problem wtih nail polish on my natural nails, they must be incredibly oily, because the polish starts chipping off immediately. With the acrylics, it never chips off.