Motorcycle Cover considerations

[tad2much]

I'm looking into buying a cover for my shadow 600, but am not really sure what to take into consideration.

given the size of my bike, and the fact that i want to keep saddle bags on it, what size would be good?

i'll be commuting so i know the pipes will be hot. People have mentioned that covers can melt. is this a significant issue, and if so, what brand/material is best for heat resistance?

Noob questions:
do covers ever balloon up in the wind and tip bikes over?
do some materials scratch the paint/chrome?
i have soft saddlebags and don't know if i can "mount" them more securely to my bike. will a locked cover provide much security?
Is UV protection a significant factor?

Sorry for all the q's! I welcome all thoughts and opinions, esp for particular brands to check out! THANKS!

[V4]

Nelson Riggs or Defender is made so that you can put the cover on the bike even if the exhaust is hot BUT I would still recommend waiting to let it cool off before putting it on...modern OEM exhaust have a heat shield that keeps the exhaust area safe but if it has an aftermarket exhaust, those often are hot....

different brands offer different fit so what is a medium in one company's description, you may need a large due to the saddle bags...

you do NOT want to get an XL if your bike requires a medium and especially if your area is often windy...you want a snug fit to prevent ballooing and wind chaffed on the body work from the cover...

some sportbikes stands up more upright and seen a 600RR get blowned the opposite way last year due to the cover acting like a sail/parachute...