I looked at the photo and it looks like wear from riding to a mooring but I cannot tell for sure. The cracking would have my attention though, specifically how deep the cracks go.
I'm going to recommend that you do get a surveyor. Not because of the neglible value of the boat but for a realistic estimate of how much work, and the nature of that work, the boat needs. It's all well and good that the boat can be had for a song but, if it takes a symphony orchestra a year's work on overtime to make it right you could end up with an opus that's still only worth a song! How much do you really want to find out on your own, later, when you own the boat? Maybe later when you not only own the boat but either don't have the money to fix her and can't find anyone to get her even out of your driveway?
From the pics it doesn't look like that bad of wear but we'd really need more of a close-up to tell for sure, and maybe not then.
“Scientists are people who build the Brooklyn Bridge and then buy it.”
Wm. F. Buckley, Jr.