I'm in none of those conditions as mentioned above and have been using one for three winters. it's a pita to install, but the decals and gelcoat look like new. It's an ADCO breathable heavy duty cover and although a little large since I opted for the 'universal' 35-39 foot one, I can bind I bind it up tightly with the provided straps and no rubbing occurs.
2010 Cedar Creek 5th Wheel 34SATS "The Beast"
2006 Ford F350 Lariat 6.0L Diesel
2003 Harley Heritage Softail "Hogzilla"
1988 Harley Softail Custom "The Fireman"
1986 Marriage to "Wifey" (patience of a saint)