Must-Have Filters?

[TheBiles]

When do you NEED a UV filter, and what's the risk of not using one?

 

[Bitter Jeweler]

You don't NEED one. There is no risk.
Use a lens hood for protection instead.

 

[seabug]

A UV filter is useful for protecting your lens against dusty conditions such as sandy area when there is wind and salt water spray when at the ocean other than that you just need a lens hood.