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As for beachwhaler yes if you are not trailering and leaving your boat in a salt water harbor it might be a good idea to put an antifouling on it. Being a 13' you should be able to find someone to help you turn the hull over on a couple of saw-horse and do it yourself. Your engine can't weigh that much taking it off. One of your buddies or a son(in-law) that always want to go boating with you could help.

The 15' of the OP is probably a little more difficult to turn over yourself but like Butch said start with a good wash and compound/wax job first maybe could be done by a kid or grand kid. Is the discoloration due to a waterline? or is it caused by another factor?