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Rounding out the ends those cracks is a good idea for now. If these cracks go completely through the deck (not headliner) it would also be a good idea to cover the crack on the topsides (duct tape will do) to keep rain water from leaking trhough into the cabin. Is the deck cored or solid? If it is cored you should do some probing to see if there is any moisture in the core. You can drill small 1/32 holes in the underside (where headliner will conceal) and check for wetness in the core material. If the sawdust beneath the fiberglass comes out wet you will know that water has leaked into the core.
If the damage is only to the headliner I would not be too worried about a structural failure. It is possible that the hull has changed shape (causing the headliner to crack) but you would need a surveyor to look closely at the boat to determine if the hull has distorted. Talk with the pre-purchase surveyor and find out if he will re-inspect this for you. If he missed something major in his original survey it might be something the surveyor should pay to repair (this gets into the realm of insurance claims and/or litigation). I have not done this; I am just mentioning that this sort of thing is possible. Talk with the surveyor first and work with him in a cordile way, but if his analysis of things are not satisfactory to you you will definitely need a second opinion by either a surveyor or expert repair facility.
I would not suspect excessive rig tenson; the loads only get higher when you set sail. If the cabin roof is dishing downward under the load on the mast that is an indication of the rig being too tight. It is possible that an over-tensioned rig can cause long term hull distortion, so you should check with the surveyor on the numbers you are listing here.
IIRC the manual for my boat says that every shroud should have a bit of wiggle when you pull with your hand. When you pull on the shroud you should be able to see the mast deflect in that direction slightly. Under sail the leeward side should get slightly looser but not so loose that they are flapping. You can snug up the leeward side while under sail to further tune it if that happens.
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