Opinions on this forum are very mixed when it comes to filter's, some people say you should be ok without one and others wont live without one.
I personally have a filter on all my lenses, some times have 2 and 3 filters for each one.
Your basic UV one is almost 100% clear, this is just to protect the front glass from accidental rub marks or any dirt on the front, well if you wipe the filter and scratch it you can just bin the filter, yet you cant exactly bin the lens for a scratch, can you...?
A polarized one, well I have some differnt grades, these are useful when shooting outside, its good to capture clouds in the BG for some shots and also stops the glare from shiny surfaces like water, car paint/glass area's.
Then I have coloured ones, just because I like to be arty with some shots, great for landscape type places.