If you feel the need for a filter then its worth having one with a multi coating from a known brand – hoya BW etc.
Criteria you could use:
Lens hood – if you have one use it all the time and it should protect the lens from most attacks.
Inset front element – some lenses have quite deeply inset front element so its well protected like having a lens hood.
Expensive lens – is it cheap or very expensive – choice/risk
Environment – risk – are you likely to bump it travelling or knock it in a crowd etc.
Personally I do not use one if I have a lens hood , or deep set front element , if a lens has an easily displaced lens cap I might have a filter on it – and remove it when using the lens but I have lots of lenses so inevitably the biggest risk is in storage for me.
I prefer not to use a filter as they do seem to pickup more smudges due to being very exposed – lens hood is a must though.