I also have fixed lens cameras but, even with interchangeable lenses, I made it a rule not to take a camera outside until it had a U.V./protection filter on it and often a hood too. As I remember, I’ve destroyed one hood and two filters but never a lens. I’ve never been a believer in the view that a filter will degrade the image as long as it’s a good brand, multi-coated filter and I’ve never seen any convincing evidence of it…