Really, if you are thinking of getting UV filters to use as physical protection, then there are two schools of thought.
1) 'Those UV filter saved me smashing the lens element against that sharp pointy thing! Could have cost me loads of money otherwise!'.
2) 'Bah! Filters as protection! What a load of rubbish and waste of money. It's another bit of glass that'll just get in the way of taking a sharp picture! '.
I personally hover in the middle. My paranoia
makes me put an expensive one on the front of my Canon L glass when abroad in more extreme, arid conditions. Otherwise I'll leave it off.
If it's just a bit of dust and grease on your lens you are worried about, then I'd say don't bother. Lens elements are pretty tough, and just a good cleaning routine with blower brushes, microfibre cloth, and maybe a dab of those special lens fluids on the cloth for stubborn marks will do.
If you already have a bit of dust IN the lens (did I read that right?), not a lot you can really do about that. Unless you have lens which are vaguely enviromentally sealed with 'O' rings (which yours probably aren't), it's going to be a bit of a minor hazard. The dust particles most likely will not show up on any picture you take. If people can take pictures through chain fences without them showing on the image a bit of dust is not a problem.
Dust on the sensor is a different matter though
and I think sensor cleaning has been touched on here several times.
Does that help a bit?