Personally, I would try a product like Liquid Gold or Restorz-It. You may want to think twice about applying this stuff to fine wood furniture, but this is paneling, and you are not going to hurt it. The problem I see is that whatever you apply may not totally blend in the unsun-bleached areas - it may continue to be darker than the surrounding area. You could gel stain it, but the darker areas may still show through. I would not paint this paneling. You have a cool 1960s-70s vibe going on that isn't going to change to a cottage look with the use of paint.

Satin interior polyurethane sounds good to me. It would not be shiny so you would hardly know it was there, but the smooth surface would make it harder for dust to stick and much easier to vacuum off webs and dust. Besides blocking the mildew. Make sure the wood is VERY dry before putting it on. If you wash it, don't let it be wet very long, and let the surface dry a few days in dry weather before varnishing.

Porcelain traditionally handles just about any cleaner you can throw at it - Steamers included. What you are looking for is a product that does not leave a residue. To get tiles clean, you need to be able to REMOVE the dirty water...and for some the only thing that works is a shop-vac.

I've seen tutorials on pruning money trees and removing dead stocks, but mine has a combination of issues that I'm not sure how to tackle. I've just kinda let the tree do its thing and it seems to be really healthy, but it's gotten a bit out of control. As far as the dead stocks go, I assume that's easy enough and probably the first thing to do--pull the plant out of the dirt, unweave the dead stocks, and then transfer to fresh dirt (I'm not a big fan of the braid, at least now that it's so big, so plan to unbraid it or at least twist the branches a lot less severely/precisely). I'm worried if the remaining trunks will be strong enough to stand though? The tree is about 7-8 feet tall, and the other problem is it's already really droopy. The branches are growing out of the trunks at a weird angle. It gets really good lighting, and I've tried giving it more in the past and the leaves got scorched. So my next thought was to prune it, but only the top few inches of each branch have any leaves. Probably overthinking all this, but I've had this tree a long time and am proud with how much it's flourished.