I'm in S. Fla. The freaking sun down is brutal on boats. I was thinking about getting a boat cover for my 20' Dusky. BUT!! I heard from a friend(s) that covers keep humidity under it. Basically where the cover hugs the boat. Is this a urban myth(cheap covers) or am I better off putting up some kind of tin roof to keep the boat under and pray no Hurricanes come this way again? 