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Hi,
I know of very ordinary filters being used to protect lenses, such as UV filters, but never known of fogging. I know a couple of people who do this, and have no such complaint.
If you photograph seriously, you may consider a polarizing filter, as you need it under many conditions. So, if you use it most of the time, it can be your protecting filter as well.
As for a precaution, you can remove the filter when you switch off your camera. Beyond this, I do not know of any other problem.
Hope this helps,
Jinay.
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