Heat loss is mainly through evaporation, so IMHO, keeping the cover on or off in the day depends a lot on the weather. If it's a really warm day without much wind, I don't worry about the cover off. If there is a decent wind, or the air temperature is a good amount lower than the water, I leave the cover on.
If it's a day where the pool will be used on and off all day, I leave the cover off regardless, because the pool's there to use, of course.![]()
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