Ok I am pretty green when it comes to making repairs so please bear with me. We have a older Riken miwok that overall is in great shape no patches and looks pretty new on top but Iam starting to notice areas of rubber checking and peeling on the bottom just below the rub strake. After our trip last weekend I am seeing small areas of material in these places and can take my finger rub the black rubber off really dry and flaky. What would be the best choice for repair? Should I try and patch over those spots or could I paint on some urathane coating? I hate to think its to late the rest of the boat is still like new!