i know accedents happen, but its not that hard to take care of your stuff, put the lens cap on and leave the hood on. i got a 24-70 thats a rather expensive lens and im not using a uv filter on it. if you did after a few year or so happen to get a scratch on it, and your lens was expensive enough to matter im sure nikon could polish it out or even replace just the front glass for a low price.
i have a tiffen uv filter, which isnt a cheap filter, and if you look in under the rim you can see the edge of the glass is jagged and not bevelled or polished or anything. it has sharp areas at the edge that will reflect light. i have taken picture with the uv filter on towards a light that had a ton of flare, then without the filter none.