Replaced about 20 square feet of core so far. A bit more to go, not much. Did what I had to inside and what was easy. The rest outside. Around the keel it's easier outside even with the floor out.
Removing the floor and recoring from the inside is a huge project! You can remove the verm and inspect as you say but I'm not sure it's worth the effort.
Refinishing the flloor where it is is easy relatively speaking.
