We live in south central Pennsylvania and get our fair share of snow and ice during the winter.
I use a cover. I've never had a problem with the flapping cover rubbing the paint or causing damage.
And, we get a lot of wind during the winter. I've had the cover blow off a couple times because the tie downs broke.
If you use a cover, make sure it is secured well.
A garage would be nice, very nice. But, I don't have one so, I use a cover.
I don't think they're that difficult or time consuming to install/remove. You just need to be careful if you get on the roof.
Some will tell you dealers don't cover their units for sale. That's a ridiculous reason to not use a cover. Car dealers don't garage the cars for sale but, many people take them home and keep them in a garage. Because, they want to protect their purchase.
If I lived in a desert area with a lot of sand, I would reconsider. If sand/grit gets under the cover it will scratch the paint.
I've not had any problems. I'll continue to use a cover. JMO YMMV :)