Well it's not my desire but it's what I have to work with. I can go with a smaller tub 92x92 or so and have a foot or so on all sides but i don't think that's enough space to get in there if needed anyhow.
Was thinking this may actually be a benefit of providing more "insulation" if it's a tight fit during the winter here in Michigan.
Would there be much to access on the sides ?
I can leave space behind the back of it for the cover to set into, that's not a problem