From: Matthew Hunt

On Thu, Feb 14, 2013 at 7:27 PM, Paul Stenquist
<pnstenqu...@comcast.net> wrote:

As far as I can remember, I have twice replaced damaged filters
where I could not have afforded to replace the underlying glass.

In 40 years of photography I've never used a filter for protection
and never damaged a front element or filter.

We should consider the possibility that filters cause damaging
falls, in much the same way that umbrellas ward off rain.

... or that having insurance means you're going to get sick & die.

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