The UV filter does nothing but protect the front of your lens. If you are just talking about cleaning the UV filter, who cares really... I clean with toilet paper, kleenex, soft shirt, etc. I have never had a problem with scratches and I've used paper towels even. I don't use any cleaners. Sometimes I dampen the towel or whatever I'm using with a tiny bit of water. That does the trick.
Take out the polarizer and look at a shiny reflective subject or the sky. Now rotate it and see how it changes the way things look when you rotate it. Notice all the glare and how it disappears at the right setting. It should be noted that a polarizing filter will slow your lens down. Because it's gray colored it prevents some light from going into the lens and it often slows the lens down by about a stop or two. Sometimes this is an advantage, othertimes it isn't.
If you plan on taking really nice pictures of a landscape scene or some time. You can always screw off that UV filter and then put it back on once you have taken important pictures that you want to come out looking their best.
