I've got an assortment of nice, coated, UV filters that I usually attach when I'll be shooting in a particularly dusty or impact prone environment (slot canyon photography, etc.). Other than that, I don't worry too much about it....
...Except for my wide angle lenses. Since the front element is so large and sticks out so far, my 17mm and 20mm lenses both have a decent filter mounted 24/7. Over the years, the filters have taken several small 'hits' that would probably have done damage to the glass. The latest 'oops' occurred while scrambling over a chockstone in Wire Pass, leaving a long, deep scratch that convinced me that it was time to replace the filter. (Perhaps atypically, I've never smashed a lens outright, but have managed to inflict a number of scrapes and small dings upon my filters. The lenses would have physically survived these impacts quite easily.)
If I owned one of those uber-wide zooms (10-22, etc.), with a similarly protruding front element, I'd probably buy a good filter.
IMO, AR coating IS important and the extra $ for a good filter is money well spent. Shooting into the sun or other light source with bare glass will cause noticeable problems. Without a bright source in the FOV, coating is much less necessary; an uncoated filter
might reduce contrast a touch. Haven't heard of the potential AF issues.. (Then again, I've only got one AF lens in the entire house!
)
The small amount of vignetting a standard filter
might produce is really no biggie, particularly if you're shooting digital. Numerous free plug in modules can correct it perfectly. (Or bend over and spend another umpteen $ to buy the "special" low profile filter.)