That looks to me like the result of an object striking the fiberglass (compression crack) rather than a bend or internal stress, so I doubt if it will "run" any further. And yes, it is probably just in the surface (gel coat). I'd still seal it to be sure there is no seepage, though.
If you decide to drill a crack-stop hole at the ends, you MUST seal the hole afterward to keep water out. The size of the hole is relative to the width of the crack and should be slightly larger. Sometimes on a compression crack it is hard to determine just where it ends and how wide it really is - it is sometimes a mushed-in depression rather than a defined crack. That type doesn't typically crack further.