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The USB cable will work with a cover. The cradle will not.
The cradle is high quality and allows for you to snap in the phone securely, however you will lose a portion of your centre console. It's a thermoplastic type material and can pivot up to get to things under the cradle.
Please also note that the iPhone does not allow for Bluetooth or direct connection (USB or cradle) for email or txt messages. The iPhone Bluetooth does not support it.
Believe it or not, I use both depending on how I use the phone in the car.
Personally I'd go for the cradle.
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