Here is a recent review of the current work being done on endophytes, with bibliography links to articles.
https://www.tandfonline.com/doi/full/10.1080/21501203.2021.1945699There is apparently some debate about classification, and how pathogens should be termed vs symbionts, since both can be indwelling in the plant.
Also makes the difference about "horizontal" (air, water, other vector) vs "vertical" (up through the plant) transmission.
"Horizontal transmission occurs when vegetative propagules or spores are produced by
the endophyte and spread to the plant population through the air or via some vector,
while vertical transmission consists of the transference of the fungi to the plant
progeny via seeds (Gimenez et al. 2007; Aly et al. 2011; Lugtenberg et al. 2016)."
"Apparently, vertically transmitted fungi seem to present plant associations with a
more mutualistic profile than horizontally transmitted fungi, which are more likely
antagonists (Aly et al. 2011)."
From an ethical standpoint, this would favor inclusion of seed borne endophytes, and possibly inoculum from compost or soil, but not inoculation with exposed aerial parts such as pods or leaves.
Even on a home scale, it would be easy to experiment with compost dusting of seeds before planting. Granted that the same seeds from plants grown in the compost would, in theory, already have acquired endophytes in the process. So the question, would the dusting make a difference to home grown seed vs seed acquired from a seed bank or commercial source where sterilant has been applied, or is recommended to avoid introducing seedborne pathogens.