Save or Splurge: Swimsuit Cover Ups

Now, I know most (all) of you would never splurge for this $920 silk Pucci cover up (pictured). That's just absurd. (Anthropologie also has an absurd silk cover up for $169.95 on sale). I just don't see a need to spend money on something I'm going to leave by the pool and later pull on over a suit that is covered in water and chlorine. I can't see investing more than $20 on a cover up, ever. Even that might be pushing it for me.
Are cover ups a save or splurge for you?
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