I don't have a pool cover, although I wonder every year if I should get one. In S. Cal you can get a swim season from late March to mid or late October with no cover or heater. I doubt if the cover will extend that more than a couple of days unless you use a heater. The cost of heating (gas) the water will be prohibitive. Last time I checked (2000) it would have cost me about $300 per month to keep the pool warm enough to swim from October through March. I would guess that is closer to $500 per month now. You might rather spend the money on solar heating equipment.
With no cover, heater or solar, the pool will warm up from cold (58) to usable (73+) in a matter of 4 or 5 days when the sun is shining and the outdoor temperature stays warm (usually late March, although this year it was May as I remember). Unless you really like the water warm (85+), you'll probably not want to use a solar cover during the swim season.
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