I also seldom agree 100% with anyone and I'm not about to change my ways.  
The tarp can serve a good purpose if you are storing you boat outside and live  
in a northern snow area. Leaves and snow can accumulate and clog the drains in 
 the cockpit and also on the seats. This can allow an enormous amount of snow 
and  water to collect and could eventually find its way into the cabin. Cheap 
blue  tarps won't last the winter so make sure you buy a good quality tarp. 
They cost  more money but are well worth the investment. Tieing it down with 
plastic milk  jugs partially filled with water also eliminates bungees breaking 
loose and  flapping around in the wind doing damage to your hull.
 
Rummy