i have nothing to add to the OP but i'm really glad i have a filter on my lenses. At first, i didn't think they were needed but all my lenses have a filter because 20 bucks for a filter is cheaper than getting the lens fixed.
Last month, i went out shooting on my Nikon film and stored it away in my backpack when i got home. 2 weeks ago, i went to grab my camera for lesiure and found out my lens filter smashed. Initially, i thought it was my entire lens and i was pissed that i'd have to get it repaired, so i left it away till today. The lens filter was pretty tight and i couldn't manually tear it off, so i took some force to it and took it off. I'm so happy this happened.
I finally have a reason to update the nikon L1Bc filter with a nice Hoya SMC UV cap. I'm sure a tiffen might be better but im eager to get something to screw on.
Always put your protection on!
lens in story is a prime Nikkor 55mm 1.2. Right now it has an older Hoya IR (R72) on it.