should cover be removed during use?

For adults - no problem. You have to assume that they are smart enough not to try and swim around under the cover. When I'm just going to sit on the steps by myself for a while after work with a frosty beverage, I usually just fold the pool cover back a bit and have a seat - no need to take it all the way off.

For kids, I always completely remove the cover from both the pool/spa - the possibility of a child slipping or otherwise swimming under it and becoming trapped is pretty good.
 
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