I do that hat thing lots of times also, it's rare that I take it out only when it gets to single digits or lower, I can't say that I have taken it out yet this summer. So mine is in 99% of the time also just curious to see what others are doing.
2011 F250 CC 4x4 XLT SWR 6.7
sold:1999 F150 EXT CAB 4x4 XLT 4.6 V8
sold:1989 F250 4x4 Reg Cab Long bed 5.8 351EFI 250k plus miles