Impact damage is totally random.  The resultant damage, or not, to a lens
depends more on the intensity of the impact, the angle of the impact, the
surface area of the impact, and so on, than whether or not a lens is
wearing a filter or a hood.  People have damaged lenses on which rubber,
plastic, and metal hoods were attached, on which there were and were not
filters.

Buy and use whatever hood and filters you want for the purpose they were
designed for, not for protection from a fall or impact damage.

Shel



> [Original Message]
> From: David Mann 

> On Jun 19, 2006, at 5:00 PM, Boris Liberman wrote:
>
> > It is only logical to prefer to have to
> > replace the filter than go through the 
> > hoops replacing the front  element.
>
> I think any impact that damages a filter is still likely to cause  
> problems within the lens - especially zoom lenses which have more  
> moving parts.  My gear is insured (which costs me enough to buy a new  
> lens every year), so accidental breakage is covered in addition to  
> fire/theft/etc.



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