Tell me this is an easy fix?
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No, it wouldn't be easy. But it probably is fixable.
Even if you don't want to worry about it now, it wouldn't hurt to take some more pictures of both outside and in and then buy or borrow a Dremel tool with a supply of cone-shaped grinding wheels.
Doing this step will not have any negative effect if you do decide to fix it, but will really let you know what you have.
In the simplest terms, you'd grind a U-shaped trench all along the crack until it disappears. If it doesn't disappear until you go through the hull, then your repair will be a bit harder. If you can go along the length of the crack and make it disappear the whole length, your repair can be localized along the crack. It wouldn't be a simple fill and fair: You'd still need to scarf back and open up a trench 12X the thickness of the hull and build back layer after layer.
The key thing is this: If you pay a surveyor to inspect the boat and he sees that the crack goes all the way into the inside, he will not likely recommend that it be fixed. And, you'll still have to pay him for doing the inspection. On the other hand, if you can verify that no portion of the crack continues all the way through the hull (likely about 3/8" to 1/2" thick here in the bilge), you can either decide to repair in the spring or be completely up front if you Boat Angel it for a more adventurous soul to repair. And, you can probably get a surveyor to give you a rough opinion by just looking at the before and after pictures.
Done properly, fiberglass boats can be repaired and last many more years. But, I'd agree that the repair would need to be done properly to use in the chop on Lake Erie.
Definitely not a fill and fair repair!