It's not a terrible habit. It's the right thing to do. Please keep doing it!
The degree of tonal effect depends on how much UV is present in the scene. I keep a UV filter on all lenses I own, regardless of camera format. Little or no UV -- same as clear. UV -- gain the benefit of haze reduction.
Protecting lenses is more than just providing a possible sacrificial covering in case of impact. The more important function, in my opinion, is to afford a front surface that takes the beating of exposure to elements and required ongoing cleaning. How many times have used lenses been described as having "cleaning marks?" They don't get any if one instead cleans the attached UV filter.
As for putting "a cheap piece of glass in front of an expensive one," I suggest choosing from B+W and Heliopan filters, which certainly aren't inexpensive. Made from top-quality optical glass, their multicoated versions do not degrade lenses' performance, and their brass rings don't gall when screwed into aluminum front cell female threads.
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