Leroy,
Your weather in Victoria is not much different than ours in Sequim, and I would submit that:
1. A cover is much better than being without.
2. I would prefer indoor storage. (I put our inside 1 Nov to 1 March).
3. That isn't always possible.
So, note that a sunbrella cover looks nice, works well if fitted properly and made well. Ours does not cover the motor well and engines, and is going to get a second part extension, that will do that, but go on as a separate piece, --why, the cover is a bit heavy and unwieldily, and getting it on and of is usual a 2 person job. It does keep the boat cleaner, and decreases the UV oxidation.
I would also recommend that if you are having one made, make sure that it comes down over the hull sides to past the side stripe, on both sides and ties their. (Ours only covers half way.) I would also recommend a zipper opening to the cockpit, accessible by untieing only on tie-down, rather than having to untie the whole stern component, and lift it up and off the cockpit.
There are some pictures of SleepyC with the cover on in our album, (Click on the boat name just to the right of this post.) Ours does cover the radar, and "most" of the cockpit. There are no support posts under it and it has held up with what snow we have had here (about 10" one session.)
Good luck and enjoy,
Harvey
SleepyC