The aluminum foil ones wouldn't pay for themselves, and the heavy vinyl is a weight issue, as I do a lot by myself. Taking up light ones on windy days isn't a big problem. I have all day and night; I retired over 20 years ago. I could go with a number of smaller tarps, I guess, but I prefer not to. I've seen the 20x30 silver hay tarps for as little as $60, but I don't know anything about the brands and quality.
I have had vinyl siding for going on three decades now, and it has stood up to our long brutal summers here pretty good. Don't know about the vinyl tarps, though. Summer here runs 7+ months, sometimes 8 or 9, which would probably rot out the real cheap stuff in about 5 to 6 months. Winds are a problem, so yes I would be taking it down and putting it back up probably several times in the summer.