I read ur post about things above your head in the out of focus fourm, don't take it the wrong way but I think your running before you can walk. You don't really need any.
Having said that.... A polarising filter will protect your expensive glass to a great extent and also reduce reflective flare etc.
There are arguements that a UV filter does reduce picture quality though. So it's a balance of protection vs quality.
I'm quite religious about using my cap lens when not shooting so don't use a UV filter, don't like the fact that they reduce quality either. If however, I was shooting at a place where there would be a high chance of lens damage e.g. stone chips at a rally race then I would use protection.
I use a Circular polarizing filter to reduce the glare and bring out the blue of the sky.
When I see a lens that has finger marks on it I always wonder what are their fingers doing their! I just use a lens hood and if I'm walking in big crowds I put it over my shoulder pointing down. Thats my view anyway 
I have a filter question as well. I was looking around in a bag of goodies my uncle passed down to me and ran across a couple filters. a x2 and a x4. Both are Hoya filters, but I have no idea what they do. I assumed they would just magnify my current lens, but I can't seem to get the darn thing to focus with them on. Any help?
Are they clear filters? If they're close up lenses you might have to get really close to your subject - almost touching it to get focus. Close-up lenses usually have their power specified on the side in diopter strength... +1, +2 and so on.
X1 or X2 on the side of the lens could be a filter factor... the amount by which the exposure needs to be increased when using it. X1 would be no increase, X2 would be double the exposure, so increase exposure by one stop.
If they're not close-up lenses they coud be almost anything if they're clear.. soft focus or diffuser filters Try fitting them and focusing manually to see what happens.