When one shoots directly toward bright light sources, or light sources in front of a dark field [classic example: birthday cake candles in front of a darkened room as the background], even a high-quality B+W 010 filter can give ghost spots; I know, since I used a $110 B+W filter in a candle-lighted scenario with my wife and young son, and it _RUINED_ an entire sequence of irreplaceable photos.
I used Nikon L37c filters for over 20 years, then switched to B+W filters....and then several hundred dollars later in 77mm filters, I realized...these filter are not doing $Hi+ for me....just NOT doing _anything_ of real value. All of the two-plus decades of anal-retentive filter use...went right out the window. I stopped using "protective filters"...and the sun came up the following day, and has for 18 years since.
There are _ONLY_ two times during which I will use a "protective" filter.The first time is during the spring time, when deciduous and coniferous trees frill the air with millions of minute sap particles. That environmental condition lasts only a short while. The second time is when I am at the Oregon coast, right down on beach level, and there's a lot of sea-spray coming in. The filter is easy to wipe clean--provided you use a filter that cleans well. Some older filters, like the Hoya HMC (Hoya Multi Coated) were VERY difficult to clear. I used to joke that Hoya HMC meant "Hoya Messy Coating", because almost all cleaning the filter did was to smear things around and around and around. Does a smeary,dirty filter help or hinder?
NEW filters of high grade, some of them I should say, have been coated with new-era coatings that resist water and other droplets, and clan much more-easily than old-tech filters.
Again...many people are sold on the idea of filters. Whatever. I used to be one of them. Now that I no longer bother with them, I rest easier. I don't worry about imagined boogeymen scratching my front element ,and am happier and less-stressed now that I'm out there, filter-less.