What’s going on with our maple tree?

Can anyone help assess/ diagnose what’s going on with our maple tree? Is this type of growth normal or do we need to do something to nurse it back to health 🤔? Our gardener says it’s lichen and is generally ok but thinks I should get a local arborist to come in to assess it properly. She says the orange bits might not be a good thing…

And what about the fuzzy growth on the top branches? Is that something I need to worry about?

I sincerely appreciate any advice I can get 🙏🏼