The peanut oil could present a problem. The solidification temp is very low like most vegetable oils so it may enhance the greasy feel. Also it's not as stable as coconut oil. Maybe olive oil could be an option?
Some months ago (before I d-contaminated my fridge cave) I did experience some black mold (almost mildew like) growing under some coconut oil coated cheese. I scraped the oil and mold off, wiped with cheesecloth soaked in hydrogen peroxide and re-oiled. Seemed to do the trick. I didn't think about it but when I oiled I could have heated the coconut oil to waxing temp. and that should have killed the surface mold if not the spores. I'll give that a try sometime soon.
I haven't yet used the cream (wax emulsion) coating but it sounds like a good option and I've read a lot about it on the board. I'm pretty sure it has an anti-fungal agent that I assume is natamycin, but this could be added to your coconut oil / wax blends as well. I run a ionizing system so mold isn't an issue for me, but for those of you that may need it and want to "oil" you can get the natamycin commercially. It's expensive, but a little bit goes a long ways.