Liner replacement

I need a liner replacement for my in ground pool. Have several bottom holes and sun rot at top.

cant do the liner now but pool only holding bout half its water.

1.) do I have to cover it?

2.) if it’s not full will it damage the walls?

3.) even if I cover it- weight from rain snow ice will problem pull it down or rip cover( live in eastern PA) may g

have harsh winter!

Please advise your suggestions  thank you