We live in South Louisiana. We camp for almost 10 months out of the year. We bought a cover. Not for snow, but for UV exposure. If we are not planning on camping for a few weeks, I will cover it. I won't cover it in the dead of summer as we leave the A/C on 90 and want it to run and the cover can't be on when the A/C is running. We have owned boats, grew up on the water, and I have seen what the sun does to fiberglass. A cover is cheap protection IMO. Faded gelcoat/paint and pealing decals just help depreciate your investment. That is my 2 cents.
2013 Cardinal 3800FL
2009 GMC 3500HD CC LB SRW