green bay here.i use 2 old bed sheets. if you have an antenna, just cut holes in them and stick the antenna thru. i took a red sharpie and marked around the holes. it's easier to see them when you put the cover on.
Since I have an office where half the building is empty (8 regular sized offices) I just wash her real good, wax her, take the bags off, bring into one the vacant offices, hook up the battery tender, cover and done. Living in WI I just can't think of leaving the bike out in freaking -10 degree weather...................