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@photoben
Fred - I couldn't disagree with you more. Having dropped many lenses due being clumsy or pissed, and having two filters smash on me because of this, it's better to have a filter (neither time has scratched the lens at all). When I dropped my 70-200 without a filter on, I've dented the front of the lens, which will be expensive to repair and now can't put a filter on it and have to be extra careful.
Filters will protect the elements all the time, say if your lens cap falls off in your bag, and bits hit the filter rather than the lens. It's easier to clean. And also, the front glass element can take a surprising amount of wear and tear without effecting the image. It's the back element that needs looking after the most.
Plus, don't you find hoods get in the way? I find the a right pain in the arse.