Hi,
Don't let the dealer make you do it. When I bought my bought, the lender wanted it, but I was able to get them to skip that. I would much rather deal with state BS than Federal BS.
You could add snaps and have a small canvas cover made for the entire "pocket". I can make the cover for you out of beige or gray canvas. It would only cost you the shipping.
You would have to send a template to me, though.