There is some great advice above Barry. Generally there is the 2 schools of thought as discussed above. There is no doubt putting something I front of the lens will cause some degradation of the image to a degree. How much is always debatable. But I think you have to think relatively here. If for example you have a £2000 lens on the front of the camera and you are looking for the peak IQ and knife sharp image why would you degrade the image any more than you have to? In that case if you wanted to fit a filter you would at least want it to be as optically as good as it can be.
Most people will either not use a filter at all and be religious with fitting the lens hood or use the filter all the time I guess.
Lens hood is always a brilliant idea anyway but with certain lenses it affords little protection (on ultra wide angle lenses for example).
Personally when I moved to full frame and purchased what to me were excruciatingly expensive lenses, I did fit equally excruciatingly expensive filters
Took me ages to save up for this kit so I quaked in my boots at the thought of dinging it!
I do vary between having the filters on and off depending on what I'm shooting. But if there off I invariably have the hood on.
I have mostly B+W filters and a selection of others the Hoya pro are probably good if you are on a budget but as
@JJ! Says they can be a bit of a bugger to clean.
Keep an eye out at dealers for any used filters, most dealers now have used sales area and you could probably pick up a good quality one at sensible prices, without having to result to eBay and the risk of picking up a fake piece of greenhouse glass
.
Also a good tip is to purchase some filter pliers (for want of a better term) these generally come in 2 sizes fits all. They are just a plastic grip that goes around the filter to help you unscrew it. It can be a bugger when the filter gets stuck on the lens thread and you have condensation on the filter, or if you have fitted a 10 stop filter and can't remove it!!
All the best