Regarding how to declare bins for unpacked array variables

coverpoints must be integral expressions. You have a few options

  1. Create an array of covergroups and have each covergroup sample a different element of your unpacked array.
  2. cast your unpacked array into an integral variable and cover that. (not a likely option here).
  3. Create a function or some additional code that reduces the set of data down to a manageable integral coverpoint.

You will have to explain a little more about what you are looking to get coverage on this large amount of data.