From my experience you get whatever cover the brand offers. When I got my Optima, they include the Sundance cover in the purchase price. Upgrades weren't offered that I know of.
You can always start with the included cover, and when you need to replace it in a few years, then look for alternatives.
My cover is waterlogged (but otherwise in good physical condition) and I need one soon.
As for the lifter, that's at the discretion of the dealer- you may have more lattitude there. I'd ask your dealer what lifter they include, and other options that they have.
Certainly good questions- but answers will vary largely from dealer to dealer.
