I’ve got 30 orchard trees. Most of them would take a 20x20 tarp to cover. Some years they make, some years they don’t.
We had a pretty serious frost last night. Just have to wait and see.
In Florida, when there is danger of frost, they use "smudge pots" in the citrus orchards, trying to keep warmer temps close to the crops, to keep away frost.
That would work for isolated frost instances , not so for a prolonged cold spell
20 X 20 foot tarps doesn't sound practical unless you had a specific variety for which locals would be willing to pay a premium for.
Like I have said previously, farmers and gardeners are the worlds premier gamblers , frequently fighting 'Mother Nature'; sometimes you win / and sometimes you lose.