yea I think the "user error" was not about using a filter per se, it was about using a low quality one. that aside, the filter IS an after-market addition that is not part of picture when Canon tests and repairs their lenses. So in that sense you'd have to admit to some user error not to remove it as a test. Thing is, optical abberations confuse the AF system which (as you can imagine) was developed and tested without one, and degrade IQ. much like looking through a window. But Filters from the likes of B+W won't behave like that (unless they're dirty).
I'd say my filter philosophy is shifting a bit more to the naked side
. Especially when you have longer lenses with substantial hoods (like the 70-200), and glass pushing the state of the art in sharpness I can honestly see the merit of naked. I admit, however, to starting out in your camp - the familiar "cheeper to replace a $100 filter than repair the lens" approach. Yet, even from the 1970s the only filter I've damaged is one that wasn't on a lens
. and back then my lenses had no hoods!
I put a uv filter on my 17-55 because I had read about this lens' susceptability to dust and that the filter helps that situation. The hood for this lens is also rather wide, so the protection argument makes more sense, especially considering that my 17-55 goes to the beach with me. On the flip side, another layer of glass can introduce additional lens flare. For those familiar with lens phyiscs you know that every time light goes through a change in media (air to glass, glass to air) there is both transmitted and reflected light, depending on the angles involved; hence all the coatings and other efforts to minimize this.
So one has to strike the right balance between assessing the real and present risk of danger to the lens, versus the potential trade-off of IQ, given the lens you have, the available filters, your budget, and the enviroment in which you shoot. For me, an expensive UV filter on a 17-55 makes sense for where mine goes. But as I mentioned before I have no plans to hang an additional layer of glass onto one of the sharpest zooms known to man that has a generous protective hood anyway.
This has probably already been done, and may be difficult, but I'm feeling the urge to test the "with vs without" situation with my 70-200 f/2.8 IS II when it arrives this week.
5D mark iii, EF-24-105mm f/4, EF 70-200 f/2.8L IS II USM, Speedlite 580 EX II plus 3x Yongnuo 568EX, photoflex 60" white umbrella, Westcott Apollo Orb with grid
400mm on a 1.6x body is still 400mm. sensors do not change lens physics...