For those who wear spectacles, we do not have anything to protect the lens from scratches, dirt and so forth. But for lenses, we get a filter to protect the lens front element from scratches, dirt etc. Maybe, the lens cost more than 1k or even a few k for that matter. So, need to protect it for the peace of mind, just like buying insurance. But those lenses that cost 6k or more are usually those huge benemoths with front element beyong the size of the biggest filter, so no filter at all. The irony is that those huge lenses that cost a fortune are more in need of protection than those amateurish lenses that cost a mere 600 bucks.
So, I think getting those B&W or whatever esoteric filters is simply overkill. By the time you wear out the coating of the front element due to careful cleaning with microfibre every few days, it is about time to change the lens, as I reckon it would be in the order of 10 years or more usually. Why do I say so? My spectacle lenses last me a good 3 years with daily washing and wiping with ordinary tissue paper.