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--do i need to fix it?
Fibers aren't showing? No
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--what is the white outer-layer on the hulls now? is it polyester or epoxy, or is it even fiberglass? i'm asking because i need to know if i can lay resin over top of it.
It's called gel-coat. I 99% sure (at least the original gel-coat) is polyester resin based.
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--what resin was used when the boat was originally built? i mean the stuff in the mat that is showing through (the fiberglass part of the fiberglass-foam sandwich), polyester or epoxy?
As Tobbera stated, polyester
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--as i've said before on here, i repair surfboards and work extensively with polyester resin, but i'm willing to use epoxy. So which one should i use?
Gel coat will go better over polyester than over epoxy, and as you probably know you can pigment the polyester. I'd use epoxy. I THINK it will last longer than polyester. The small West Systems packs are about $25.
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--is it okay to turn the boat over and just let it rest on the tramp frame?
Yes, put some blocks at the corners, front and rear, so the mast base and main traveller car don't get bunged up.
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--how deep does the wear have to be to neccessitate cloth (instead of just using resin)?
IMO, if the cloth fibers were worn or exposed.
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--do i really have to put anything over the resin once the fiberglass work is done? i really don't care how the boat looks, i just want to make sure it's solid.
Ahh!!! No, you don't have to cover it. And, if you don't care how the boat looks just go sailing. If it's not down to the fiber (and even if it was) the boat is still structurally solid. If there are some deep gouges or scratches and you want to fair it up, go for it.
If your not going to restore to original finish polyester OR epoxy. If you are, polyester then gelcoat.