Kaitlyn and I found what I think is an Ochrolechia on a Malus branch in an alder swamp

It seems to key to O. subpallescens but doesn't seem right, the chem tests are inconsistent and have been confusing, will attach pictures of cross section and chem tests later.

Is this concentric rims a thing that happens with some Ochrolechia sp? Is it just an apo's age"decomposing"?
Going through all ochrolechia pictures on iNat I found a few that resemble it in form that might be interesting so linking here:
https://www.inaturalist.org/observations/319015082
https://www.inaturalist.org/observations/200957483
https://www.inaturalist.org/observations/260128193
https://www.inaturalist.org/observations/146704837
https://www.inaturalist.org/observations/73507072
https://www.inaturalist.org/observations/85538154
https://www.inaturalist.org/observations/130544568(has the inner tan exciple classic for O. oregana that this lacks)

Labelled Ochrolechia but I think not:
https://www.inaturalist.org/observations/335925153(almost looks like Pertusaria and Ochrolechia sharing a thallus)
https://www.inaturalist.org/observations/331615303 https://www.inaturalist.org/observations/63452623 and https://www.inaturalist.org/observations/333701971 https://www.inaturalist.org/observations/336098791(again I think this is actually pertusaria and some young apo's have a cream disk)

Should I start over? Keying this more from the direction of Pertusaria subambigens/Lepra opthalmiza as it reminds me a bit of that side of Pertusariales

Additional note, many Ochrolechias seem to have a black raised spherical speckling that appears lichenicolous, when scoping this sample they did not seem fungal and looking through lichenicolous records nothing on ochrolechias matches the appearance. Is it just frass that contrasts on the white thallus?