There are downsides to this as they can take up room on your deck when taken off and it can be a chore to take them off if you don't have an automated system. I have heard someone call solar covers a pool condom - by the time you put one on (or off in this case) you lose the desire.
That may or may not be true for every pool owner, but it does not negate the necessity of having one. The OP lives in a cold northeast climate. When springtime comes and the pool is first opened, an uncovered pool will evaporatively cool every night to the point where any heat added during the day will be completely lost. So, an uncovered pool will cost a huge amount of money (in gas) to run in that state. Covering a pool completely (or almost completely) eliminates evaporative water loss and thus holds most of the heat in through the overnight hours.
Many forum members have devised ingenious ways to create DIY bubble cover rollers and storage devices. If one uses the simplest type of cover - 8-mil blue or clear bubble cover, and if it is cut into manageable pieces (usually two pieces is sufficient), then taking the cover off or deploying it is not really all that much work especially if the OP is planning on a rectangular shaped pool. Obviously an automatic cover would be better but they typically add anywhere from $8k-$12k to a build, you can't automate a cover with a freeform shaped pool and there's the additional maintenance needed to keep cover motors and coping tracks in good shape.
I used a cover on my pool this past spring (and will do so in the fall) and it was a complete success in terms of saving water (a big deal for people like me that live in dry climates), saving chemicals (pH, TA and FC were all very well conserved with minimal loss) and retaining heat (I accidentally left it on too long and shot my water temp up to 96F one day). It's certainly not easy to take on and off, but it is well worth the hassle as it will help to extend my swimming season well into November.