What???
You don't prime, paint, clear coat AND gel coat! It is one or the other. You either gel coat or you paint. If you paint, then you have to prime, and the clear coat is optional. If you gel coat, then you gel coat and that is it! The coating on most boats is gel coat because the gel coat is applied directly to the mold and then the fiberglass is laid over it and it pops out of the mold ready to go except for polishing. Gel coat was not intended to be an after-the-fact coating like paint, though it can be - it's just alot of work. The amount of sanding required for gel coat is crazy - I know because I just gel coated my boat console and it took me weeks of sanding starting with 400 grit and ending with 1800 grit before using 2000 grit aquabuff compound. Anyway, if your ski is gel coated rather than painted, something that small is a piece of cake to repair, but they probably would charge that much just because anything marine is a rip off. As far as for that little chip causing leaks, that is an outright lie. Gel coat is porous to start with. That is the reason that boats that are moored in water instead of trailered have to have a special bottom coating (some of the bottom coatings are also made to keep marine growth off). Just do a search on hull blisters and you will learn all about it. The gel coat is really just there for looks and to keep the ultraviolet rays from breaking down the fiberglass.