No direct experience with the bike covers, but having hauled a few motos in pickup trucks, and having seen a LOT of motos (and other things) on the road under tarps ... don't do it.
Any loose fabric on the outside of a vehicle will flap in the wind and take the paint and chrome right off whatever's underneath.
I'd go for the Lycra drivetrain cover you mentioned, in winter conditions when there's salt and cinder on the road ... maybe one of those handlebar/saddle bras that you see all the time, if you have a leather saddle and/or any type of natural bar tape ... otherwise just re-lube your drivetrain if you drive through rain. (Remember that your drivetrain won't be turning, so it'll just get a rinse, not the scrubbing it gets when you ride your bike in rain - it may not even need more lube.) Put a piece of tape over any openings in your frame.



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