I never cover the clutch or the brakes. It'll get you a ticket in the UK if the copper is watching carefully enough. I once had a bike copper follow me half way across london watching my lever usage
When you cover a lever there is a tendancy to use it in an emergency (when your brain goes thru that startled bunny phase - grab lever first, think second). Pulling the wrong lever in at the wrong time can cause even more grief.
Clutch - will cause the rear wheel to lock and skid if braking.
Front brake - will cause the front wheel to lock and dump you on the ground.
Rear brake (excessive) will cause the rear to come round (and possibly dump you).
Any of the above in the wet will likely spit you off the bike.
So having that little bit of extra time locating the levers is often enough to allow the brain to engage properly.
If you think about it - having to grab those levers so fast that you need to constantly be covering them probably means your going to hit whatever it is anyhow.
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