For the most part, I don't practically see much difference with or without a good filter attached to my lenses... but...
I do notice how often I have to gently blow off or wipe the dust or residue (water drops, dog nose goo, accidental fingerprint or smudge) off the front glass, whether it's bare or wearing a filter. Some lenses have more fragile front element coatings than others, but all coatings are vulnerable to being worn off, even if the glass is not scratched. I always carry a clean, very fine microcloth in my bag, and a exhalation of breath on the lens and a quick, very light wipe usually get things all sparkly again, so I think I'd rather risk wearing out a filter's coatings than my lens's. One Nikon L37c UV 77mm filter has already shown some signs that it's done it's job well over the years, and is essentially now retired due to the coating starting to wear. It is an old filter, but I'm glad it's not the front element on my equally old 80-200 lens.
The problem is, really good filters (optically/light transmission/anti-reflective) cost more than many kit lenses, maybe even many basic lenses... which is a big consideration. Insurance could be a good alternative there for the money, although it might be tough to make a claim for lens coating slowly wearing off... but that's outside of my area of expertise.
Of course in a more controlled environment (landscape or studio/portrait stuff) or in challenging outdoor light situations, the filters absolutely come off...
I do notice how often I have to gently blow off or wipe the dust or residue (water drops, dog nose goo, accidental fingerprint or smudge) off the front glass, whether it's bare or wearing a filter. Some lenses have more fragile front element coatings than others, but all coatings are vulnerable to being worn off, even if the glass is not scratched. I always carry a clean, very fine microcloth in my bag, and a exhalation of breath on the lens and a quick, very light wipe usually get things all sparkly again, so I think I'd rather risk wearing out a filter's coatings than my lens's. One Nikon L37c UV 77mm filter has already shown some signs that it's done it's job well over the years, and is essentially now retired due to the coating starting to wear. It is an old filter, but I'm glad it's not the front element on my equally old 80-200 lens.
The problem is, really good filters (optically/light transmission/anti-reflective) cost more than many kit lenses, maybe even many basic lenses... which is a big consideration. Insurance could be a good alternative there for the money, although it might be tough to make a claim for lens coating slowly wearing off... but that's outside of my area of expertise.
Of course in a more controlled environment (landscape or studio/portrait stuff) or in challenging outdoor light situations, the filters absolutely come off...