As expected, you got a polarized response. You must think about:
1. Am I going to shoot in challenging conditions? Water, mud, sand, dirt, can they hit my front element? Will my lens fall into the ground face first and cause damage?
2. If the answer is yes, then you are wise to use a protective filter during those shootings.
Regarding water, do not forget that modern coatings are easier to wipe clean. Also, some filters now have some sort of "hydrophobia" coating to repel water and avoid it adhering to the their surface.