mrca watch the video Sparky links and watch it all the way through, it gives a great summary about the practical protective nature of the UV filter. About the only thing it misses is that with the UV filter there's an increased chance of more stratches on the front element with a UV filter as a result of a break because you're shattering glass which is highly abrasive. So a lighter bump, that wouldn't break or damage the front element, could easily break the filter and then go on to scratch up the lens front element.
The point is the UV filter is mostly going to protect against things like water, dust, sand etc... Ergo light material and low levels of liquids (eg spray). Where those materials are abrasive (eg salt water or sand) it does indeed give you a nice safe surface that you can wipe clean without worry about scratches appearing on your lens. In that case the filter (UV/Clear glass) is giving you a real protection.
But it can't protect against impacts - it shatters far earlier than the front element would which increase damage potential, whilst also not really offering any practical protection against any impact that would otherwise damage the lens elsewhere.
They are not useless, but they are not offering much if any real protection against any serious impacts.
As for myself and filters I use a circular polarizer as the effect of cutting out reflections can't be mirrored in editing. I'd also use Neutral Density filters and Graduated ND filters if I had them. Whilst some of the effects those filters make can be mirrored in editing and some can be superior*, there are cases (eg blurry water) where you cannot get the effect without the filter (blurry water being a case where an ND filter cuts light entering the lens, letting you use a slower shutter speed - esp if you wanted to use a wider aperture for creative reasons and/or the ambient light is still too high even if you choose a smaller aperture)
*eg an ND Grad can be great at exposing sea and sky in a single frame with both properly exposed, which can be very pleasing to achieve. However two photos and software combining the exposure of both can be superior if you were doing the same type of photo (ergo two differently lit subjects) where the meeting line between the two is very jagged and irregular (eg a landscape with lots of tall and short terrain features at random)