I just got the FZ10. Have attached a Canon 72mm UV filter I dug up from my storeroom, and I bought a HOYA rubber multihood to go over that.
Now i just leave everything on, plus a 72mm HOYA Multi-hood over the FZ-10hood/UV filter (yeah, it looks like a 500mm 135mm monstrosity if you don't like large fronted, long lens barrels). I find that the HOYA multihood keeps most things out.
Cheers!