Advice on a Polariser filter

[0Z320]

If you've got the money, a Hoya HD CPL.
I got mine from maxsavers for $109 delivered the other week.
No more harsh over-exposed shots! Yay!

I got the same one from ebay but I paid $103 USD. I have not received it yet, but I got it from a Powerseller.

[gje38752]

I also have taken on the Hoya HD both in UV and CPL, on my 15-85 and find them excellent filters, far better than the cheapies I used on another lens, Iam actually wondering if I really need a ND. if so could it be used over a CPL if necessary.