Hello there SailorGreg - yes full-sized boats are constructed using polyester resin, however, they do have what is known as a gelcoat layer which is a highly polished finish and is a barrier - which you can see on the outside of a fibre glass hull, and this is basically an epoxy style resin.
The gelcoat style resin cures with the absence of air - and when you mould a hull or whatever, the gelcoat is applied first. If you use gelcoat in the open, a wax must be mixed with the gelcoat and this floats to the top, thus creating an air seal. (This is known sometimes as a flow coat).
This in turn allows the gelcoat to harden. This method is sometimes used on the internals of boats, such as areas like bilges around the engine compartment & the stern area where the propeller shaft and rudder are located.
Yes, I have used pure resin (as in polyester) in the internals of a model hull - as we don't usually put a model in the water for 24 hours a day/7 days a week/52 weeks a year.
My point is, in my last posting, some people bring a model home after use - leave it and not bother checking the inside and clearing out water which managed to find its way into the hull from the lake or whatever.
john