One of the more contentious topics that often crops up on many photog forums is whether or not to use UV filters (or any filter) for lens protection?

I used to be in the camp of using a UV filter as a means of cheap protection. Recently, however, as I have acquired more "good" glass, I have opted not to use a filter just for lens protection. I know the affect on IQ is negligible, but I have convinced myself that it does't make sense to put a cheap piece of glass in front of an expensive piece of glass. Instead, I always make sure I have a lens hood in place and let my lens live "naked."

Of course I'll use certain filters for specific purposes, such as a CP filter to reduce glare on water or windows, or to darken the sky a bit in landscapes or using an ND filter to get certain effects like for long exposure of water, etc. But as a general rule, I have stopped using UV filters just for protection.

Thoughts?