I would refer to it as surface crazing. My Commander has a lot of this kind of crazing in the cockpit area. The gelcoat is almost a 1/4-3/8th inch. I have ground out some area's for repair and found that it is confined to the gelcoat and responds well to grinding and filling.
Regarding the hull below the waterline, I haven't seen that kind of crazing, but I am still resisting total removal of the 1/8 in. layer of old bottom paint. It is removing itself in stages. Some every year. I will overcome.
John / WA1JG
John G.
Valhalla
Commander No 287