Johanna,
Ralph is right that those cracks can be easily repaired, but if you
don't do it yourself, it can be somewhat costly to have the cracks
glassed, sanded, and painted. I store my boat outside in Chicago over
the winter. The first winter I owned the boat, I tried to protect it
by putting a tarp over it, but that was blown off and shredded in a
matter of weeks, just before the first big snowstorm. So, I got water
in each of the stanchion wells, which led to cracks that I had
repaired for about $360.
There are, obviously, other vulnerable parts of the deck in addition
to the stanchion wells; fiberglass and ice just don't mix very well.
I have had my boat completely shrink-wrapped by my boatyard each
winter since then (about $350 each year) and have had no problems.
The boat is also much easier to clean up in the Spring, and if you
have a zippered access door put in, you get the added benefit of
working on the boat over the winter. If you choose to store your boat
outside, I would recommend shrink-wrapping if it's available in your
area.
Doug Poland
#99 Surrender Dorothy