There's a long long long long LONG thread on whether or not to use a filter.
I use filters (I am the minority)... but
1) I buy the highest quality filters.
2) I don't use lens caps.. ever.
3) I like that I can quickly wipe off my lens with my shirt, paper towel, tie, jacket, sleeve, pants, jeans, even my thumb and get back to shooting. Dirt, sand, grime, whatever.... not a single thought or worry comes to mind that I am scratching the front element.
4) It is removed when I know flaring is possible (shooting into a light source). Replace afterwards.
5) My lenses are expensive... (I can't replace them easily)
I've also had the unfortunate incident of dropping a lens. In this particular case, the filter did take the brunt and saved the lens (still needed to repair the aperture ring).