NEVER tow with the cover off. Buy a trailering cover and it should be no problem. Trailing Off will get the boat dirty, stuff will blow out and birds will poop on your stuff. Additionally, the extra sunlight will rot the seats prematurely, or if it rains all the stuff will get wet.
When we aren't going boating and have nothing better to do, we take a drive along the road to the Lake. All the cooler tops, PFDs and other related stuff brings us beer money on Craigslist!