I have to say I'm firmly in the same camp as AK83.
I don't use filters except for the effect they produce, not for protection.
That said, I can see a few situations where they might be warranted. These would only include potential dangerous aerosols that might damage the front element but then if that was the case its probably not worth taking the photo in the first place. In all other situations, if you can clean a filter, you can clean the front element.
Don't be too afraid about handling a DSLR. It stops you from learning. I rather have a beaten up, well used D5000 5 years later than a pristine one that's sat on the shelf as decoration. Of course thats not to say don't look after your equipment of course. Use it in the field but always clean it when you get home.