I had smooth discs on my old car. One time to test, I finished a normal commute and checked the brake temperature. I was able to brush, then touch, then grab onto the brake disc. It was barely warm.
Yes, that won't be the case after descending a mountain, but you can use engine braking to help that. If that's a normal situation for your driving, maybe don't cover your wheels. Me? The longest downhill I have around here is about a mile long.
You gotta be smart about your situation. As in most things, It Depends.™
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11-mile commute: 100 mpg - - - Tank: 90.2 mpg / 1191 miles
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