looking for a disc

A cover is the way to go as far as cost efficiency goes. You get 99% of the benefit at a fraction of the cost (although you lose the "whoosh" sound effects)

Flo's, Renn's, used Zipp/Hed's are all good options

Wow, flo disc at $599 - thanks for that - certainly worth considering from the price point of view!

It might come to a cover on my existing wheel, but I like the option of going with a regular wheel if the weather/elevation warrant it, without having to fiddle about putting the cover on and off. And if I bought a wheel specifically for the purpose, then I'd be halfway to a dedicated disc anyway?

In reality, do you take your wheel cover off ever?

Have you ever felt that the race day weather conditions, or the course warrants not going with disc rear? These are also my training wheels, so I would potentially end up training with a disc on - not a big issue, but would definitely look like the tri-geek!

If I had a disc cover, it'd be off for training, group rides, commuting (need to secure the bike with a U-lock), that sort of thing.

I have a cover and I only put it on for races, it is a simple process.

For the cover rubbing the chain on the largest cog, duct tape the cover to the spokes will help prevent this. It works for me, anyway.

I only use the cover for race day, the easy "pre-race" ride the day before...and one ride 3 days out to insure everything is working as expected.

I do 95% of my training rides on my Zipps as well...while I do still have the R500 wheels that came with my P3, I just prefer the feel (and look...I won't lie!) of the tubular Zipps to my clincher "training" wheels. I'd feel kind of silly using the disc daily.

As for race conditions....from what I know and understand, there are not really any conditions to not use a disc...except perhaps gale force winds! Much of your weight is over that rear wheel, and it does not turn, thus, it does more cutting through the wind that letting the wind push you around. NOT so with the front. My 404's seem to have a profile that works well in higher winds where you'd not want to have anything deeper, like an 808 or 1080 profile. They are also fairly light wheels, so hills are not an issue either. Overall, these are great wheels. I purchased them locally via Craigslist. They are from 2009, dimpled, but pre-Firecrest. Got them for well under $800 including skewers, pre-glued tires (which I've since worn out and replaced) and an Ultegra 11-25 cassette (Which I've swapped for an 11-23.)

Oh, "tri-geeks" ROCK!!

Yep, thanks....I've tried the duct tape too...it does help, but I still had a touch of rubbing. Not enough to toss it out or to worry much about. My last race was a sprint with lots of rollers so I knew I'd not be in my largest cog so I didn't worry about it at all....Certainly did use that cog at the Vineman up Chalk Hill!