100% correct! Just a finish crack.HNGD ! A beauty for sure.
>The story is it was bought for a son who just never took to guitar<
Nor doing a nice string job
Common paint stress cracks there...........very common... no biggie other than the cosmetics of it.
When I went to see the guitar I noticed the crack and as we met in a parking lot there was no way I felt comfortable asking to take off the neck, so I took a gamble that it was just cosmetic.
In fact, of all the guitars that have a crack that I have looked at closely, all of them were cosmetic. I’ve never seen one where the body was cracked!