Prior to building my RV garage, I used a cover every winter for 9 years and it didn't cause any damage to the rig. If secured properly it doesn't flap around or scratch the painted surfaces. I installed it myself by laying in out on the ground in front of the RV and with a rope attached to the cover just pulled it up and walked back on the roof. Obviously you need to be comfortable working up there, but it isn't nearly as difficult as many make it out to be. IMO keeping the snow and ice off the top of the RV is worth the effort. Good luck whatever approach you take.
Lou
05 Travel Supreme Envoy