a) yes, likely crack initiation site (unless you work with a very low pressurisation (hoop) stress. normally you dimple if you have a very thin outer skin, ie so thin that if you put in the CSK (even the shallow 1097 CSK) that you'd get knife edged rivets. normally thin skins mean high skin stresses (or low pressure differentials, like 4psi). most manufacturers go to great lengths to design an efficient fuselage skin, thin to keep the weight down, and thickening along the rivet lines (bonded skins, machined skins, chem milled skins) to provide a suitable thickness for the CSK.
b) i'd consult bruhn or niu