So I finally gave into temptations and got myself a Nikon D40 since prices have come down a bit and am loving it. Its such an awesome camera and quite a jump from point and shoots. I've been reading alot about slr photography and one of the topics I've come across is filters. The arguments just keep going back and forth, like coke vs pepsi. Some are adamant that it affects picture quality while others say it doesn't, or while it may, a regular joe wont notice it. I know a lot of you guys have slr cameras, so for those who do, do you use filters? I'm thinking of getting an nd, polarizer, and uv filter. The first two for the effects and the last one for er protection (even though the only lens I have now is the kit one and the one I plan on getting later isnt terribly expensive). I'm just a bit anal with my toys. I doubt the filters will affect quality enough for a newbie like me to notice. What do you guys think? Also if you do use filters, any thoughts on brands, multi-coating, super multi-coating etc? Are the more expensive ones going to make a big difference from a cheaper one? So far I'm thinking something like Hoya's HMC would do the trick. Seems to get good reviews from ones who are pro-filters and is kinda middle of the line. Thanks.