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SC,

Seek another fiberglass guy. The one at the yard lacks knowledge. I agree with Weatherly, there is not yet any reason to assume your gelcoat cracks are structural.

I'm far from a fiberglass or Whaler expert but from my reading here and on CW I've concluded that a moisture meter used on a Whaler has very dubious value. A search on moisture meters here and on the other site may be useful to you.

Take your time and get a few opinions. The season is over for you so you have several months to get this taken care of before you'll want to be on the water again.