The full tonneau is a right P.I.T.A, and I've only used it once, for that reason - making the belts stick. There are those who say that with careful folding it can be made to work, but I don't like having to take the headrestraints off either. So my favoured method is either a short storm cover, or the full storm cover if the weather is particularly wet.
Small: (Hood down)

Full: (Hood up)

Who says my Roadster never gets wet............