Haven't used a cover on mine... but I'm not hauling expensive bikes.
Be careful that any covers don't block lights. Very likely with the ladder being mounted to the side.
I chose not to use a ladder mount - just never seemed secure enough to add potentially bouncing bicycles - especially when I was dealing with Michigan roads (stresses of more than the weight of the bicycles). I did strap a larger ladder to it on last trip to FL - but it was very securely tied down.
I use the receiver on the back of the RV for the bike rack when not towing... and move it to the back of the toad when towing.
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Greg
Not yet retired...
Florida (Michigan transplant)
2014 Hurricane 32A
2000 Infinity (previous)
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