Well, filters are good, and help sometimes but can also be a hassle. UV filters are basically lens protectors but can/will cause a flare because its just more glass that the light has to go through and will reflect off.

Polarizers are handy, especially here in florida with our sun, skies and water so i'd recommend them. they do get a little pricey because it is definitely better to spend the extra and get a good one.

i'll pm ya about the lens