Do I need to drill holes to mount this, or does it use factory tie-down points?

This cover uses your vehicle's factory mounting points—no drilling required. Installation uses existing bed rail attachment locations.

Can I open just one panel to grab something from the bed without opening the whole cover?

Yes. Each of the three panels operates independently, so you can flip open the front, middle, or rear section on its own without disturbing the rest of the cover.

Does the hard tonneau need paint, or does it come finished?

The cover arrives finished and ready to install. No prep or painting is needed before mounting.