I got it covered.
 

I got my cargo cover installed today. I got it from my dealer - $150 minus the 30% off coupon I got when I bought the car. $17 for installation. I like the Fit cargo cover better than my Civic's. It's not hard; it has a flexible leather feel to it. Now I can load my back end with stuff and not worry about people seeing what I've got in there.

you paid to get it installed, lol, it easier to install then you may have thought, but congrats on the buy, i got mine at the time of purchase, however i paid about $108.00 (employee).

So if you ever use utility mode (with the back seats folded flat completely), does that mean you have to take the cargo cover off? Otherwise, it'd be difficult to load things in, right? Is it easy to disengage it?

yes, you are correct.