I might be making a trip to the beach soon and figured it was the perfect excuse to get a filter or two for my D50. Hoya seems to be the more popular company to go to for filters but wanted to throw out the idea and see if anyone else had suggestions. I was originally going to go with a polarizer but due to the beach trip and another trip that might be coming up (involving water fountains) I'm thinking a neutral density might work better. Any suggestions for that? I was think a an 8 would be a good start but wasn't sure if I should get a graduated filter or not. I also some are multi-coated and others aren't. Any info on that would be appreciated as well. Thanks!