Going to have to pull it to know. It's a coin toss on whether or not it will need to be resurfaced. There is a minimum head thickness, find that spec before resurfacing and measure the head.

IMO I'd do a compression test before pulling the head to ID a leaky valve or ring/piston problem. Lot of work to find a leaky valve later. At a minimum have the machine shop vacuum/leak test the valves.

As far along as you are, yes I'd replace the head gasket as the oil leak will only get worse.

Good luck and keep us posted.

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"Rudeness is a weak man's imitation of strength" - Eric Hoffer