I mean, 200 bucks is 200 bucks. I use a sliding strap with my camera to keep it low and discreet (not bouncing off my belly with the kit strap).
Because it hangs lower, it's more prone to get splashed or splattered. I put a filter on every lens that's not a rental. Doesn't seem worth the risk not to spend $5, plus I can roughly clean it in a pinch or just take it off if it gets trashed.
The cost of repairing a damaged front element in that lens would probably be higher than the lens itself.
I for one don't consider $200 disposable.