Ah, yet another great dilemma for the mankind:
"To UV, or not to UV: that is the question!"
Personally, I UV, but with top-notch filters, as I believe the benefits (physical and dust/water protection) outweigh the cost (slight loss, if any, of contrast, or slight increase of flare under extreme circumstances). I do, however, tend to remove it under controlled circumstances (i.e., where there is no perceived danger for the lens), or if I need to use another filter (e.g., polarizer).
Dwdallam, thanks for the links.... very illustrating.