I have not put a cover on mine (12X16) because of concerns with wind in my area.
I think ice can affect anything "on" the water and especially if the dock is hard point anchored to shore. It may require some sort of aerator around dock to keep it mostly free of ice.
Stability shouldn't be an issue if float # and position are such that mass is "inside" float area.
Edited by Snipe (12/09/19 01:27 PM)