Hi me again. Anyone have any experience with In the Swim. I am Torn between the following two covers. The off brand kind of scares me and wondering if I’m better off staying with a name brand. So I guess my question is which of the covers from In the Swim would you get deluxe or commercial(descpription below). I called their customer service and they said commercial only blocks 93% vs 98 on deluxe. Am I better off to pay more for a higher sun block. OR. Scrap In the Swim and go with a name brand like loop loc and pay like $600 more. Thanks any advice is greatly appreciated.