Is there ever a time when you should NOT have a UV filter on the lens, excepting of course when you want to use some other filter?
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Whenever you got a light source (or reflection) near or in the image field, let's say in front of you, any filter will
significantly worsen the ghosting and flare.
That happens statistically half of the time, doesn't it?
As said, the only interest of a polarizer filter, when shooting digitally, is reducing vitrous reflection (on glass or water).
An UV filter will, optically, make nothing but alter your picture as sensors are not that sensitive to UV. Of course, it may be handy in a few extreme situations, such as shooting a motocross race...