I have UV filters (B+W or heliopan) for all my lenses, and orange and polarising ones in 39 and 46.
I used to leave the UV on all the time (hate that UV light, so I have to filter it out 🙂 ) but recently we've had some nice fluffy clouds so I was putting on the orange to get some separation.
Taking the UV off one 39 lens, putting the orange on, taking the UV off the other 39 lens, taking the orange off the first, putting it on the second and putting the UV on the first lens again was getting to be a pain - so now I'm leaving off the UV filter.
Of course, I've bought the hoods for the ZM Biogons (the Leicas all have the built-in hoods), and I use the lens caps too. Unfortunately, the Summicron 50 lens cap keeps falling off in the bag, and since I have several (2) cameras in the bag, they sometimes scuff each other.
I have therefore decided to put all the UV filters back on again 🙂
Regarding the quality degradation... if you're using ASA 400 or 1600 film, handheld on a tinsy winsy bit of film, who cares if there's an optically plane, multicoated bit of glass in front?
I may do some tests myself to see if I can tell a difference. Until then, filter. You only have to be unlucky once...
colin