My 2011 Outback was purchased late 2010 in Indianapolis and delivered to the N Georgia mountains in a monsoon. There she sits, after each trip, patiently waiting our return.
I polish it once a year and keep it plugged it with slides extended. Winds in those hills often blow at 30 to 45mph gusts and the rain flows like well water.
So hard in fact 2 years ago. a covered 5er was lifted and slammed on some power boxes and totaled the rig.
Covers are a personal choice and require more work than I care to invest. If improperly installed, roof damage can and often occurs. Condensation is not a laughing matter either.
Me, I plan on my next RV purchase as a 2015 or 2016 model. I have owned plenty of boats-rv's-motorcycles in my 70 years. Some owners have a hobby of cleaning, polishing, covering, uncovering, etc, I do NOT. My toys look great and I inspect and fix as discovered.
Yes, Florida is brutal in the summer. I lived in Jacksonville for 12 years. Check around and go to Lazy Days RV and I'll bet NONE of their rv's are covered.
That should tell you something right there. Short of it: if you like spraying yourself with chicken fat and wrestling alligators, buy a cover for Florida. If you enjoy relaxing and USING your rv, pop a top and lay back and watch sports.