My boats have always been stored shrink wrapped and left out in the elements. I have never had any major issues doing this, and as you note the cost difference can be considerable. The only thing you have to be careful with is making sure that adequate ventilation is provide so you don't build up condensation under the shrink wrap.
Truly to me the only storage solution that warrants considering the difference, is when you look at heated vs. not heated.
Some people may argue that things stay warmer in a fully enclosed solution, but honestly at some point the inside will hit freezing....
I could ramble on here but I will not.
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Life is about how much time you can spend relaxing... I do it on an island that isn't really an island.....
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