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Jerry -- You reminded me again of your less than nimble fingers. I'd say one of the greatest risks of lens damage would be from bobbling a filter, from taking them on and off too often with uncoordinated hands or distracted mind. Probably far more damage has been doing from this than the lens running into things without filters in place. I'm pretty klutzy, and have to watch myself when juggling large-size filter exchanges. Maybe not best for you, unless you know you are going into dangerous conditions.
Bingo Jim, this is my biggest dilemma and as of late, with less strength; shaky hands, it's an even bigger issue. Thus as I get more active I'll slowly start testing my 'most' used glass. Of most concern the 17-40; which is a stellar sharp copy, the 70-200 f4 and 100L have massive hoods and are stored/used with hoods on, the 300 f4 is the same.
We'll see how my physical condition progresses, helpless as a baby now will not be my future. And even when spastic body sees fit to intervene I've my most precious of secret weapons not far from hand, my better half Linda whose able hands are most helpful when mine seem not...
Because of my high level disability I take things; cleaning, changing out gear, pretty slow, carry two body's so as not to swap lenses much. My 'generic' lens kit is pretty consistent, an ultra-wide; 10-22 or 17-40, 100L, 70-200 and 1.4x T/C.
As said before the beach/wetlands areas are of most concern, the moist salty and sandy air, for those adventures filters will be used as needed. Most other nasty weather issues are not on my to-do list, even tho I don't melt when gotten wet, I'm not one to push my 'luck' given my wheels are of an electronic driven nature.
There's not much hill climbing, river running or mucking about to be done anymore, but give me a flat dirt road or paved walkway and I'm good, cobblestones, mud, sand, gravel they can keep, as it seems when in any nastiness I must vocalize a bit with 'Excuse me might I ask for some help please, seems I'm stuck and can't get out'