I live in Vegas as well. I have a DIY Electric Katana, that I fried the motor on. Probably my fault, tried to get too much out of it for too long.
I had a 2012 XU, which was destroyed after being drug for an extended distance under an SUV, and, have had my 2013 FX for a little over a
year and a half. My general riding is for range, so, not usually ridden that hard. I work in Henderson, finishing work at 7 p.m.
As you are aware, this is just after the hottest part of the day in the summer. Thursday Nights, Cycle Gear on Decatur has bike night until 8 p.m.
I jump on the Freeway, and, ride there at around 80+ mph. I have never had any issues or, warning lights on my FX.
My XU would be wringing it's guts out on that same ride, hitting it's top speed of around 70, also having Zero heating issues.
As far as a bike cover goes, it would keep the sun off the bike, but, if in direct sun, it may actually increase the heat of the stationary bike
because of lack of air flow. I know that the charger won't charge above, or, below certain temperatures. I have never had mine NOT charge because of being too hot.
I do my best to not park it in direct sun, so, this may help. I have only had it not charge when too cold once or twice, and, that was after
riding in 30 degree weather for an hour or so ( Low speeds ), then plugging it in when I got home. It would flash green, like usual, then, go dark.
I would come out the next morning, and the light would be green again, and, fully charged. Bikes are kept in garage, so, out of Hottest or coldest parts of the day.
I don't generally have battery temperature showing on my Zero app, so, couldn't tell you the temperature.