Dust doesn't concern me, because it gets everywhere (including on the UV filter itself), and can be blown off.
Fingerprints have never been an issue for me, either. I don't touch the objective element, and I always use my hoods, so I'd have to try very hard indeed to get a globby fingerprint on them.
I've never managed to scratch a lens, either. The optical glass on objective elements is a lot thicker and tougher than people expect. Having said that, I am careful anyway, and certainly use hoods and caps all the time.
I've found that cleaning filters requires as much effort as does cleaning the lens's objective element.
Agreed; my analysis of impact-related accidents in my OP goes into sufficient detail about that.
That comes down to not over-tightening them, and it seems you're doing it the right way.
They don't need 500lbs of torque to stay on; they're threaded, so they're not going anywhere. All that's needed is sufficient tightening such that they won't come loose, but don't need much exertion to unscrew.
It does indeed come down to preference, but based on the analysis I've done, my actual experience (including dropping a lens) and my desire not to introduce any potential or actual image degradation, there's far more reason in my book not to use them.