Michael, not me in Newport...
I have my boat in the water at Noank, CT. I will haul for a week to paint, clean, wax, zinc change, etc in the spring.If you can really get a $40 cover to last the winter and are satisfied that the protection is adequate, then you are money ahead.My h40.5 cover cost me $3900 in the summer of 1998, and that reflected an off season price break. Even with a 15 year life, that is over $250/year cost. However, the cover fits great, covers down to the waterline, breathes for ventilation, and provides great protection. I believe getting the topsides out of the sun for the 5 month off-season will go a long way to keeping the finish pristine and push off the need to repaint for many additional years.BTW, it takes 2 people about 1 full day to install my frame and cover. Removal takes about half a day. If stored in the water, you need a dinghy to lace up the bow and stern. A real plus is that each year you don't have to re-invent the installation routine. The cover fits exactly the same as the prior year.Rich