The issues I have, is the neutral conductors do not show the same level of possible thermal damage as the neutral termination bar. It is quite possible to have a multi-wire circuit "mis-wired" 2 or 3 phase conductors on the same phase and not have a problem with the connection, though utilizing IR you would see a thermal issue with the conductor, assuming the load is significant enough.
The neutral shows some green discoloring that could be due to loose connection or chemical exposure or a combination there of but that portion of the neutral termination bar does not appear to have thermal damage.
If there is load on the circuits (or put a load on) you could perform a fall of potential on the connections and determine if the connection is acceptable or not.
If this is a thermal issue and an ongoing problem, the cost for complete replacement is marginal, new panel guts and trim the damaged portion of the conductors, 4-6 hours. Then do what they can to go after the home inspector.