Freshwater is somewhat worse than salt water for Osmosis.
The quality of the gel/resin/polyester makes a big difference as well as the build quality. Some boats suffer from it more tha others, if you leave your boat in all year every year then is just a matter of time. That said even boat that are on the hard over the winter can still suffer from it.
No boat has ever sunk from Osmosis, it is repairable, if you have high moisture content and a few bubbles (if you burst them they smell like venegar) you can treat them with and epoxy filler.. but would be advised to leave your boat out over the winter... and shouldnt get much worse too quickly...If its very bad then a gel peel, dry out an epoxy treatment will be expensive.
I have seen some old Bayliners with very bad pox, as well as a few Hardy's and Cruisers.. modern boats shouldnt suffer in the same way. That said there are a lot of boats at Cameron that come out of the water very rarely, and I bet there are quite a few older boats that have bad osmosis.
A lot of people wouldnt touch boats with Osmosis, but if its not too bad its a good way to get a cheap boat if it doesent put you off... a boat with Osmosis is similar to trying to sell a house that has flooded once..
Best Regards
Craig