Sounds a lot like my use case. I don’t haul stuff daily, but when I do, I need it to be protected and easy to access. I got a folding cover from and it's been perfect for that kind of occasional use. It folds up in seconds, stays out of the way when open, and it’s secure enough that I don’t worry when I leave gear overnight. No signs of wear after a year and it’s been through all seasons — dry in the rain, no wind flapping, and it doesn’t look bulky on the truck. Not the cheapest, but definitely worth the peace of mind.