I've told this story a couple times here, but I will tell it again.
A couple years ago, I bought a new 70-200 2.8 VR. Dropped $1700 on the puppy with shipping and taxes.
First thing I did was put a UV filter on it (a very good, expensive B&W UV filter I might add).
Went to a zoo to shoot some shots with my brand spanking new just out of the box 70-200 VR, slapped the lens hood on and started walking around.
When I got to the zebras, one bit another one on the ass, and the one that got bit jumped and stomped, right in a big puddle of mud.
Pfwap!
Mud came flying and I got splattered.
Sure enough, one big semi-solid glob of mud slammed into my lens right exactly dead center (lens hood and all). The splotch of rock filled muck was about two inches around, nearly filling up the filter, and it hit DEAD center with a sickening "pop" sound.
I tell you what... I would have absolutely puked on the spot had that gritty, grimy, zebra peed-in rocky mud been slobbered all over the front of my brand new $1700 lens instead of some $100 filter.
I come from a sports news background, where I have had my camera covered in all kinds of stuff including spit, blood, rain and an ocean of sweat from some athlete running into me.
Twice I have had lens filters broken in my career while I was shooting, and both times no damage was done to the front elements or the threads.
If you do nothing with your camera except for very carefully carry it in a case from one shot to another & you don't take a lot of action photos or photos in the wet, mud and muck, then you need one less.
Me? I always, always, always shoot with a filter. Always.
I use the best one I can find (B&W).