Easier to answer the meaning of life.
Yes, your hull has osmosis trouble, but some will overstate it's significance if you're not sailing offshore. You might consider just patch repairing the worst of it. To do it right will require grinding the entire hull and getting her indoors to dry out, then rebuilding the outer layer of the hull. Don't bother just layering epoxy over it all, it will likely just come back anyway.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.