| Lacquer build up against the frets of a maple fingerboard is natural if the neck is fretted before it is shot. It's called bridging because the lacquer "bridges" the space between the fingerboard and the fret in corner where they meet. It is not necessarily a sign on shoddy workmanship. It's actually pretty hard to avoid. The only way around it is to lacquer the fingerboard before installing the frets. However, the risk is that there will be occasional lacquer failures due to the nature of installing the frets.
Playing in the ruts is not a problem for most players. Except for bending in and out of the ruts, that is. Low string heights in the ruts can cause rattles. Poor intonation is a problem, too, because the string is no longer hitting TDC on the fret. Of course, when the wraps on the strings don't fit the lateral grooves in the rut, they'll just chew up a little bit more of the nickel-silver fret wire while obtaining a dull flat spot to index against the now flattened out of tune fret.
When you see grooves in your frets it's time to have the frets dressed. It's that simple.
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Primum non nocere.
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