Approach via CD4 count and pathogen prevalence:The patient has HIV with CD4 = 55 cells/mm³ and presents with productive cough, fever, and lobar consolidation - a classic bacterial pneumonia picture.
Key principle: In HIV-infected patients, $\textit{Streptococcus pneumoniae}$ is the single most common cause of bacterial pneumonia at
any CD4 count. As CD4 count falls, the incidence of bacterial pneumonia including accompanying bacteremia and septicemia increases.
Why not the other options?- $\textit{Staph aureus}$: Not the most common overall cause in HIV; more likely in IV drug users or post-influenza.
- $\textit{Mycoplasma}$: Atypical pathogen; causes interstitial pattern, not lobar consolidation typically.
- $\textit{P. jiroveci}$ (PCP): Classic CD4 < 200 opportunist, but causes bilateral ground-glass opacities, not unilateral lobar consolidation; also presents with dry cough, not productive sputum.
\[\boxed{\text{Strep pneumonia (Option B)}}\]