I think you hit the nail on the head, NSW would contain many parasites and bactaria.
Many parasites will coexist with fish and only become a problem if fish gets stressed. in other words many factors can contribute to the reduced resistance of fish.
Crytocaryon is almost always present in aquarium water.
Whitespot usually develops after drastic ,temporary changes in water environment,such as overheating or cooling. typical of summer.
Quoted from one of my many diseases books.