I recently purchased a lightly used P&H Quest as a first fibreglass boat. The boat is about 5 years old, but is immaculate. One issue however, is that the boat has Spidercracks around the coaming and along the hull just in front of the cockpit. It also has some just below the seam of the boat where the model decal is. My question is, should this be addressed now, or can it wait until the boat needs new gel-coat? I've checked each of the cracks and they only seem to be on the surface, and seemingly insignificant...Thoughts??

Spider cracks in gelcoat are a sign of flexing gone beyond flexibility of gelcoat. Gelcoat is generally less flexible than fiberglass it's covering.
Inspect the inside of the hull for signs of delamination( area that looks noticeably white compared to the surrounding area). If there is MILD delamination present, a reinforcement from inside is a good idea in case the spot takes another hit(1 layer of 10oz cloth or layer of mat should do the trick, double if the area is noticeably more flexible than the rest). If we are talking a spot that took a heavy hit and is seriously weakened, a serious repair may be a good idea.
If no delamination of fiberglass is present, the issue is strictly cosmetic and it comes down to "is it a boat to be used or a showpiece not to be touched?". If it's the first, don't worry about it, if it's second, should've bought a brand new boat Trying to fix gelcoat spider cracks for reasons purely cosmetic is way too much trouble for those of us who do not enjoy the smelly time consuming toxic sh*t work that it really is.

Ya mine has the same issue older solstice and after looking at the time, energy to recoat the bottom. Took riders suggestion and came to the conclusion that I was going to use the boat. And that it was going to get scratches, digs etc no matter what

Thanks!! The boat is not for show and will definatly be used. I'm happy with leaving it as is...just had to make sure it wasn't structural!

A sizeable limb fell on the top of the nose of my boat during a windstorm and left some gel coat cracks, which I ignored for a while until somehow I spied some "whitened" glass inside. That was enough for me. I reinforced the interior with a glass/epoxy backing using 6 oz glass. Same boat (very light layup) had gel coat cracks on the back deck from solo self rescue practice. Also reinforced that.

If you have spider cracks now, press on the area and see how much it flexes. You might want it stiffer than the original layup, to be sure it will be OK if it takes another hit. Not likely a concern in an area that is not stressed.