Yes, e-mail body should be a short cover letter.
Opinions are divided as to whether you should attach the file or paste a text-only version into the e-mail (because some people don't like/don't trust attachments).
Good idea to have two or three versions: a text-only version, a vanilla Word version (that won't get messed up by wacky fonts etc.), and an optional really nice-looking PDF version.
― The Mad Puffin (The Mad Puffin), Wednesday, 19 January 2005 16:35 (twenty-one years ago)