It isn't just UV that is an issue here in SOCAL. Crap in the air will etch your finish no matter what you wax it with. Moreover, the impact of bird and insect droppings is signifcant.
I would NOT have an issue with a light, custom fit cover. I DO think using the heavier covers on a dail basis would not be advisable and I would stick with custom fit.
Lastly, a cover will handle the UV issue for body and top at the same time.
IMHO! Good luck.
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