IMO, solar covers do slow down the movement of water (the top layer), by some amount (which is hard to determine), and this is what retains most of the heat while the pump is running. If the day is warm and wind is very low, then the cover should be removed or at least peeled back (50% of more on the pool) to allow the pool to breathe and the pump to run. I take mine off half way if no one will be using the pool during the day to allow the pool to breathe and work more efficiently. A lot also depends on wind speed. I have small flotation devices and if they blow off the pool, then the cover stays on.
Best thing to do is use your judgement and experiment to figure out what works best for your pool. You must put the cover at a night (right after the pool is closed for the evening) and remove it by around 11 a.m. My cycle is from 1 p.m. - 6 p.m. for the pump (6 hour run time). Only reason for this amount of time is because the heat pump takes long to maintain the heat.