Not the first post on the subject (though a link to a LensRentals blog post that was provided by @AlanF going on 9 years ago is still relevant), but just a reminder of why I use protective filters on almost all of my lenses.
I started to clean front of my RF 24-105/2.8 Z, and noticed this on the B+W 82mm UV filter that I had on it:

I'm sure replacing the front element would have been much more costly than the $100 for a new B+W 82mm clear filter to replace the one above.
Incidentally, a couple of years ago I wrote a long post about B+W's 'new' filter mounts (Basic, Master and T-Pro) and packaging (leather pouches announced for their 75th anniversary). That post seems to have disappeared. I'm sticking with the Master line. It has the same spec as the prior XS-Pro while the T-Pro mount is very slightly thinner, but I find the XS-Pro to be more than thin enough, and I'll pass on the titanium-colored coating instead of the black coating on the same brass; I also prefer the knurling on the Master over the smooth T-Pro edges.
Despite their announcement in 2022 that, "From now on, all B+W filters will be delivered in high-quality cases made of genuine leather," they've changed the packaging inside the box yet again. For those keeping track, it was a plastic box with a foam insert for many years, then a brief flirtation with a fabric bag before the switch to a leather pouch in 2022, and now they are using a lightweight metal alloy box (aluminum-looking but a magnet sticks) with a foam insert.

I started to clean front of my RF 24-105/2.8 Z, and noticed this on the B+W 82mm UV filter that I had on it:

I'm sure replacing the front element would have been much more costly than the $100 for a new B+W 82mm clear filter to replace the one above.
Incidentally, a couple of years ago I wrote a long post about B+W's 'new' filter mounts (Basic, Master and T-Pro) and packaging (leather pouches announced for their 75th anniversary). That post seems to have disappeared. I'm sticking with the Master line. It has the same spec as the prior XS-Pro while the T-Pro mount is very slightly thinner, but I find the XS-Pro to be more than thin enough, and I'll pass on the titanium-colored coating instead of the black coating on the same brass; I also prefer the knurling on the Master over the smooth T-Pro edges.
Despite their announcement in 2022 that, "From now on, all B+W filters will be delivered in high-quality cases made of genuine leather," they've changed the packaging inside the box yet again. For those keeping track, it was a plastic box with a foam insert for many years, then a brief flirtation with a fabric bag before the switch to a leather pouch in 2022, and now they are using a lightweight metal alloy box (aluminum-looking but a magnet sticks) with a foam insert.
