I'm on my 4th tractor with mower decks. Never had one the didn't collect grass on top. I never leave the belt covers in place. Those collect debris and it can remain damp or wet and starts a rotting mess. The belt covers from the last 15 years, are all brand new, and are where they belong......in a box in the garage........ somewhere.
My routine after every cutting is to use the back pack blower and get rid of collected clippings from everywhere on the tractor, under the hood and from atop the trans, and blow out the engine tins too. Put the tractor away as clean as you can get it. My deck gets weekly greasing, monthly sharpening, and a good power wash at the end of the season and continues to perform like a champ.
Bottom line, if you cut grass, its going to get everywhere, including into the engine cooling tins, so don't forget to check those at least once a year to be sure they are clear and also that no mice have nested there.
Good luck, keep it clean and greased, and it will serve you many many years.