Here's my experience: I haul my 2017 F3L on a light aluminum trailer (350 #) much like an Aluma, but even more open, since I have only 3 panel tracks for the wheels (see pic). No rock guard. I have hauled with a Jeep Grand Cherokee and now with my 1500 RAM pick up. So far, no known rock or debris problems. I have hauled long distance, Interstate travel, Ontario to Florida, return. The location of my spare tire on trailer may help somewhat as protection. Also, the tongue length is fairly short, so most crap from road will hopefully strike (if it does) somewhat further back. However, a rock guard has been a strong consideration. If your Aluma has a solid bed, it is likely not much is going to hit your Spyder from underneath. For me, the risk is a bit greater, but so far, so good. The previous owner to me hauled his RT back and forth on same roads about 5 round trips; again, no issues. I do try to avoid unpaved surfaces. So, to me, rock guard or no rock guard is a matter of depth of one's wallet and/or comfort zone.
With respect to using a cover, I have done both - gone naked and gone 'all dressed'. Been through torrential rains, naked, and survived; gathered up some road dust, but it washed off. On the other hand, I also used a proper BRP trailering cover, once, but likely will pass on using again, unless the weather is absolutely horrific - ice, sleet, hail, etc. I tied my trailering cover on tight. They really fit like a glove, and are heavy duty quality. I watched it carefully the whole 1500 miles. There was no real flapping. The front of the Spyder had the cover 'plastered' to it the whole way from force of wind. When I arrived home and took the cover off, there were no scratches or scuffs that I could see along the front or side panels. It was only when I took a close look at the rear corners of my side bags that I noticed the red surface paint had been worn through, down to a black undercoat. Fortunately, the spots were few and only at corners, and only the size of a pencil eraser, but they are there, even today. Not a terribly serious blemish, but enough to discourage me from using this very expensive cover again, unless forced to. Even when I did use it, I found that the bike, under the cover, became coated in road dust, and still needed a good washing - as much as if I hadn't used the cover at all. Also, the movement of the cover at the rear of the Spyder caused enough friction to continuously bend the licence plate holder back and forth the whole trip. The constant bending caused the aluminum to snap. When I took the cover off, my number plate fell on the ground. I was lucky that it got caught up in the folds of the cover and didn't fall out along the 1500 mile journey.
Long and short... a rock guard if you must, but not an absolute necessity. Your Spyder can survive without a cover, but if you do use one, make certain it is meant for trailering, not loose, not just an everyday cover that will flap and likely shred. And, if you do use a trailering cover, know that you may be subjecting your Spyder's finish to unexpected 'forces' and 'frictions' that can leave marks.
View attachment 170237