Although I almost never use a filter, it would be nice in the long run. Have you ever looked at an old lens, and realized that it had a permanent filter? When you pull off the filter, and the lens is spotless and pristine, it seems worth it to have a filter on your lenses. Nonetheless, in the short term, I feel that it most certainly decreases some picture quality for a few reasons. Most have been mentioned, but one that seems to be missing is that fact that a filter decreases the caution with which one generally treats a lens. If there is a filter, why a lens cap?, or why excess caution? Thus, filters tend to generally be in worse shape than the front element of a naked lens would normally be.