I haven't posted in here much recently but i'll take a crack.
There's a large number of crimes under investigation.
First the Mueller report investigated Russian "collusion" or whatever you want to call it. Mueller was unable to conclusively show coordination between the activities, but did show activities between Russia and the trump campaign that appear to have been timed to benefit both parties.
This is relevant because the Mueller report clearly shows evidence of obstruction of justice. Whether that's enough to convict is a separate conversation - there's no question that there's substantial evidence. If that obstruction prevented Mueller from getting evidence of coordination, that's a really big deal. I understand that you give Trump the benefit of the doubt, but there is a good reason that "obstruction" is being taken so seriously in this case. At minimum there were attempts to delay or disrupt the investigation. That's a big deal in and of itself. But if it was done to prevent discovery of underlying crimes, that may be the biggest cover up in US history.
As for financial records, a number of crimes have been alleged and/or charged related to his finances. I'm sure you're familiar with the stormy daniels campaign finance allegations. You're also aware that Cohen provided information about other possible crimes such as fraudulently reporting the value of assets when paying taxes and acquiring loans using those assets. His tax returns and financial records provide evidence of possible crimes before and after he was in office. They may also provide evidence of inappropriate payments - from foreign governments, or campaign finance violations, or for pay to play politics, or emoluments.
And emoluments are constitutionally prohibited. That's absolutely something Congress should be looking at. We're already seeing examples of inappropriate relationships
including a bank CEO who gave Manafort huge loans to get political access. We've also seen millions and millions of dollars spent at mar a lago and the trump hotels, some of which may not be legally appropriate.
Considering that trump just implied that a meeting on infrastructure would be canceled until the cancellation of a congressional investigation into himself, there's a clear pattern of him using his political power for personal gain.
And at least one of is attempts to tie up investigative requests in the courts have been dismissed as frivolous - not illegal, but an attempt to make it more difficult to investigate.
So I think it's reasonable to say that continued investigation is warranted, and that trump continues to attempt to make it difficult to do so. That is literally the definition of a cover up.
I don't expect a response, but thought your question deserved an answer.