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Just removing the gelcoat over the crack is an easy job. I had this done on one of my previous boats over the entire keel-hull joint. Hired a guy that does "bottom peeling" and he used the peeler machine (basically an electric plane), took him less than an hour for the entire seam and i paid accordingly. So, I think uncovering a 6" crack should be pretty cheap.
Ditto for covering it up if there is no problem - some epoxy with silica filler and a few hours of your time is all that is needed.
By doing this, you will be able to find out what the problem really is. Without that you are just speculating. In my experience what looks "bad" from the outside could easily turn inconsequential and, conversely, something that looks small and insignificant could be a sign of a serious problem.