.. and I'm sure some of the posters here probably have to change theirs after reading comments that differ from their own set in stone, unchangeable ways...
It's very conditional for me. If I'm going to be near the ocean, and I don't want sand or salt spray on my lenses, I will use a high quality UV filter like a hoya Evo or something along those lines. I may even go full belts and suspenders and use a lens Hood to reduce the likelihood of sand or salt spray laterally as well landing on my lens element. With the exception of one RF body, all of my primary gear is weather resistant.
The same applies for a Dusty or Sandy environment.
But if I'm just going out on a nice sunny day, I'm probably not bringing anything other than a polarizer to put on the front of any of my lenses. And in that case, it's a top end Hoya, B&W, or Singh Ray...
I shot competitive swimming for years, and depending on my access point on deck, and the capability level of the swimmers, I would also put a clear UV protector on the front of my lenses as I don't want chlorine water on my lens elements, especially if it's something very subtle and I don't notice it for a couple of hours.
And lastly, depending on the weather conditions, I won't bring any weather sealed lenses that trombone with me for photography, as I don't want to run the risk of having Ingress on the barrel as it retracts. Most of my RF L zooms stay home in anything more than the lightest rain, and I bring my non-tromboning m43 gear instead.
So no, you're not a moron if you use a clear filter, or a hood, and you're not a moron if you don't use anything. It's a personal preference, and everybody has their own favorite way to do things.