Answer:
What has black spots and a white face, is fat not thin, and helps you to win, but tumbles all over the place?
It covers you, you lose it every day and you'd die without it.
What has to be broken before you can use it?
Touch this and you'll regret it. But if it's cold, you won't forget it. What is it?
Maritime marauders
I start with T end with T and within me is T.