Frank
The trouble with the full tonneau cover is that unless you roll it very carefully behind the seats it will stop the belts retracting.
It is not just the tonneau that stops the seat-belt retracting. The seat-belt guide as fitted to my seats was set too low so that the friction between the seat-back and the seat-belt prevented the belt from retracting freely. I lifted the belt guide as shown below:
With this modification and folding the tonneau in on itself as below the belt retracts without a problem. The photo shows that the tonneau is nowhere near the seat-belt.
Personally, I wouldn't be without the full tonneau. Although I have a hood cover, I never use it as the tonneau performs the same function. As I use my car on a daily basis, I leave it all over the place. The tonneau stops leaves and dust getting into the cabin and provides as much security as raising the hood. In the event of a sudden rain shower, although not perfect, it is preferable to leaving the cabin unprotected.
As to fitting the tonneau or the hood cover, the first couple of times it's a hell of a struggle if they're mohair. I didn't think mine had been properly fitted to the car but if you persevere and pull hard it should fit, as it would have been fitted to the car at the factory.