I'm in Michigan too and heat loss is a big issue. I hate trying to manhandle the cover by myself but I have three children all under 12 who want/need that water as warm as possible. I have four large, round "hooks" fastened to four consecutive legs of my Intex Ultra Frame, and the original Intex cover is fastened to the top rail with cable ties. I pull the cover off onto the hooks, which hold it while the pool is occupied, and that makes it a bit easier to pull the cover back on.
Someday I'd like a much better solar cover on a reel of some sort. My biggest gripe about the cover is the debris and rain water that collects on top. It's a mess to pull off and often gets filthy water in the pool. Everything is a trade-off it seems