With your boat all white should be a easy fix. My boat has the same thing.

Depending on the crack, now I have not seen a pic so this is talking out of My ads as it were butt. You have to grind in to the crack feather it out glass over it sand it down smoothing it out then spray he'll coat or primer and paint. Which is why you see people put a rub rail on. Its quit a bit of work, and if you have someone do it. Its gonna cost you!

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Don over at Pats fiberglass knows how to get them out and they don't come back. I believe he sands and glasses them from both sides then matches your gel. I could be wrong.

I did a staggered 1" blk then blue on top vinyl offset 1/4" around the cracks in same area for years till I added a wht rub rail. I'd wait on anything major till off season.