Answer:
It covers you, you lose it every day and you'd die without it.
It is something you make after you've weighed your options.
What grows when it eats, but dies when it drinks?
What instrument can you hear but never see?
It can be cracked, It can be made, It can be told, it can be played. What is it?
People take me on walks and I run and have fun. What am I?