Keith Diefendorff
Forum Enthusiast
Oh yes there is....
Image degradation due to change in index of refraction is matter of
physics, and is not subject to conjecture. There is4%
transmisivity loss at each transition between optical media (e.g.,
air to glass). Of this there is no question (cf., Fresnel).
If every surface of a lens lost 4%, a 21-element (15-group) 70-200VR lens would transmit only 29% of the light entering the lens (0.96^(2*15)). (That's assuming no glass-air interfaces within a group. If there are air-glass interfaces at each of the 21 elements then transmissivity would be only 18%.) Either is ridiculous. The net transmissivity of the 70-200 is certainly nowhere near this bad, meaning 4% per surface can't possibly be correct.
And its not. Fresnel reflection off a lens surface is 4% only when the index of refraction of the glass is 1.5. But modern lenses and most UV filters are coated with low-index coatings to reduce Fresnel reflection. Good lenses and filters are multicoated with 1/4-wavelength coatings that further cancel reflection by shifting it 180 out of phase with the incident wave. A multicoated lens surface easily has a reflection loss more like 0.5% and a good one is more like 0.25%. Either is a lot different than 4%.
At 0.5%, the transmissivity of the 70-200 would be 86%, which is still pessimistic but certainly closer to reality than 29%. Adding a good B+W multicoated filter would change that from 86% to 85% at worst.
You think you can tell the difference between a 21-element 70-200 at 86% transmissivity and and a 22-element 70-200 (with MC filter) at 85%? I think not, in general. Surely there are certain intense specular lighting situations where even a small reflection can flare or reduce contrast. But if I were you I wouldn't put much money up against Phil's bet.
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Keith