I ahve a 18X38 ft pool with steps and a swimout. I have used a solor cover (20x40)for 3 years with out a reel and it seemed to be fine. I don't think covering the steps is a big deal but for a few $$ what the heck (good call). This year I have a reel and I plan on using the 20X40 cover uncut. Happy swimming.
Ed