Nick_C wrote in post #2270666
when you weigh up the price of a top quality filter its 10x the cost of just one of those elements in a lens, price wise a top quality UV could possibly be better glass than what is in a good lens (in theory).
Nick

And that is exactly why I DON'T use UV filters (apart from potential image degradation), you have to use a good one and they can cost far more than fixing a lens if anythng should go bad. I have 4 lenses for my DSLRs and 12 for my film SLRs, each would need a filter, as constantly swapping filters is a hassle with the need to make sure that the inner surfaces are spotless and nothing is trapped in between. For all those filters, I could buy another couple of lenses. Even if I swapped filters from lens to lens, I would still need an assortment of sizes.
If you scratch the front element it can be fixed by putting in a new element, you don't have to rush out and buy a new lens. As you say, these elements are much cheaper than the filters, although the labour charge for fitting them will bump the bill considerably of course. If you put a $125 filter on and the worst happens, you have to pay another $125 for a replacement filter. So that is $250, which would probably almost cover the cost of the repair, if you didn't use filters and had the same accident. If you have more than one lens, what are the odds of damaging that many elements?
I'm sorry but the mathematics for me says that I am much better off not using filters, even if I damage an element tomorrow.
In 25 years of photography, often in poor conditions with muck and gravel flying around I have never damaged a front element. Hoods are essential as, when wandering around, the lens can get banged against things but the hoods stop the element contacting anything major. Hoods are also much cheaper and don't have detrimental effects on the image (in fact they improve IQ).
Just my view on things, I know the UV users will continue to use them and the UV haters will still steer clear. We all have our own opinions on these things, this just happens to be mine.