The problem with filters is, that all cheap filters are not optically polished, but "flame poilshed", which means, the final surface, after cutting the filter slices, is only heated, until the rough edges melt down. That leaves an undulating surface, which is very detrimental to image quality. Only a few manufacturers mechanically polish their filter surfaces to the same standard, as lenses are polished: B+W, Heliopan, Hoya (and therefor Kenko) in their top-range Pro Digital series. It might be, that (some) Tiffen filters are also mechanically polished, but I don't know for sure.
So, a really top-quality filter costs a sizeable amount of money, because it is expensive to produce. Which could mean, that one single front element damaged over a couple of years is quite cheaper, than buying all those protective filters…
I gave up on such filters long ago (despite using Heliopan almost exclusively), because rigid lens hoods offer mechanically enough protection for my purposes. Only when shooting on the beach in windy conditions, I add a protective filter, to prevent the salt spray from damaging the lens coating.
Ben