One of the problems with not shrinkwrapping or covering a boat in northern climes is the amount of snow and ice that can build up on the boat. If the weight of a heavy wet snow is enough, it can seriously damage the boat.
The issue of the water freezing is also one not to ignore. Water expands 10% or so when it freezes and can cause significant damages to your boat, especially if snow has piled up on the boat and you get a couple of warm days followed by a cold spell.
You also might want to check your insurance policy. Some won't cover snow/ice damage unless the boat is covered/shrinkwrapped.
Given that the boat is only two years old, it is really silly not to spend $600 to protect something that is worth far more. $600 is probably considerably less than your deductible...
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.