The polarising filter is very useful in certain circumstances but is not a filter you leave on all the time, it's just for use at the correct time. As you turn the filter to get the effect you want remember that you can lose up to 2 stops of light.
UV filters and skylight filters have a very subtle effect and are usually left on all the time to give protection to the actual glass of the lens itself. I believe you can now get purely protective plain filters. The down side is that people claim that they degrade the quality of the image (some lenses seem more sensitive to this than others) so if you do go for one get a high quality multi coated one.
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