What I see on the picture is a circular area where the gelcoat is cracked, with the big gash in the center. I would interpret this not as a scratch but as a sign of a pretty strong impact at that location. The probability that the laminate was weakened there seems high to me, because in order for the gelcoat to crack like this, the laminate would have had to deform quite a bit, I would think. (You could try pushing on it to see whether you can tell whether that spot is softer than the surrounding).
It might still be OK to take it out on the water a few times (impossible to judge that remotely) but I wouldn't think you should defer a repair indefinitely.
When you do the repair, you need to grind away damaged material. After you've removed the cracked gelcoat, you should be able to get a better idea of the extent of the damage to the laminate. If you wet out the surface with water or alcohol it helps you see through the rough surface that you created by grinding. That should allow you to identify how much laminate you need to remove.
Around the damaged areas, you need to grind a shallow (1 in 12) bevel. That will remove more material. Once you've reached that point, you can decide on the best strategy to add new laminate. There's a wealth of information here on the forum, there are a number of good books, and West System publishes a useful guide for making such repairs as well.
(Not all techniques require access from the inside of the hull.)
Finally, when you are ready to make the repair come back here with more questions / reports and you'll get an instant cheering section