I am in Quebec City where we have 4 meters of snow and the pool freezes to 8-12 inches depending on the lowest temperatures attained in mid-January. I keep a pine needle mesh cover on the pool until late October or a couple of weeks before freeze-up. I remove it, because it would be destroyed or severely torn by the layer of surface ice. I have many trees, and much debris ends up in the pool overwinter. At ice out, I run a leaf bag on the bottom and remove as much as I can even though I cannot see the pool bottom until my first SLAM operation in mid to late May. So, I am definitely in the 'no cover' camp.
Due to a fairly long two month 'no swim' period between September and November, I have a two step closing procedure. Around mid-September, I will bring the FC to shock level, cover the pool with the floating solar cover and use this as a support for my black pine-needle mesh cover. I turn everything off until late October., or when temperatures reach 6 C. During the two month 'no circulation/no treatment period', the dark mesh cover completely inhibits photosynthesis, so algal development/organics are minimal. In late October, I will vacuum and drain to 6 inches below the inlets, and blow the plumbing using a shop vac. Drain the sand filter and pump, remove the pressure gauge on the sand filter. Finally I cap all pipes in the skimmer and pool inlet. Sure, my pool overflows above the skimmer in the Spring, but this is a very slow process, and the overflow water naturally drains in the sand bed surrounding my inground pool.
Even though we have very cold air temperatures; the soil temperature does not easily freeze because of the snow pack depth. The pool's ice pack is never jammed up against the pool walls. Even at temperatures as low as -25 to -30 C, I can slide my gloved hand between the ice pack and the liner at the pools edge. So for an IG pool, with conductive walls (aluminium), I don't use or need to place pillows or expansion devices in the pool. For an AG pool, the pool walls are not connected to the soil temperatures, so you do need to add pillows or other ice expansion absorbing materials to prevent wall damage.