Mine came with just a cockpit cover. Due to the age of everything, it just flat fell apart at the seams (literally).
I was using a blue tarp (I know it's tacky, but what was I going to do?) to cover it. I priced a new cockpit cover and man was it out of my price range at that time.
So, being the cheapskate that I am, I looked into a pre-made full cover. My boat is only 22' long and finding one to fit wasn't too difficult. Purchased one for just over a hundred and it fits/works perfectly. It has elastic around the edge and web loops for rope or bungee cords. I used bungee's to keep it from blowing off.
As for keeping the rain from puddling, I found if I raised the engine hatch just a little the rain runs right off.
I'll save my pennies up and buy a new cockpit cover soon.