I’m similar. I’ve been working for almost 15 years, and got all but one of my jobs through connections. I think I’m now so out of touch with the hiring game that I’d fail spectacularly if I ever had to do it again. I don’t even know what a cover letter is. Do you attach it as a PDF to your email? Why don’t you just write that stuff in the actual email?
It'll be back to "who you know, who recommends you, and who you trust."