It has been clearly established that full depth gel-coat cracks can lead to problems in the resin-fibreglass matrix underneath. Gliding Federation of Australia Airworthiness Notice 69 issue 3 of June 1987 records two of our Australian professional workshops in 1985-86 finding clear evidence of crack propagation from the bottom of the gel coat and through into the top skins of a Hornet wing, Mosquito wing and Cirrus 75 tailplane.
Samples from the Hornet and Std Cirrus tailplane plus another sample from a different Std Cirrus were analysed at the Dept of Civil Aviation Materials Evaluation Laboratory by a materials specialist, and I have the report in hand. (1986 Report X-5/86, 'Deterioration of Glass Fibre Reinforced Plastic Gliders' by A Romeyn.) Conclusions: Some deterioration of the glass fibre reinforced epoxy laminates underlying the cracked gel coat was found. The deterioration was limited to matrix microcracking and some localised swelling and void formation, there was no evidence of fibre breakage.
Most of the information I have collected is from the 80's decade. The Germans established a sub-group of their industry-academic Working Group for New Fibre Reinforced Plastics ('Arbeitkreis Neue Fasserverstarktekunstoffe'

to look at the gel-coat cracking problem in 1987. It would be interesting to get ones hand on the final outcomes of the work they did on the issue and any more up to date info from the 1990's.
Roger Druce Australia