Having worked professionally for two decades I never once had to report a damaged lens element or coatiing; occasional filter damage, yes, that's expected, and the filter has done it's job. I would think that blemishes of what you are describing would only manifest in a troubling manner if you are shooting contra jour or into another strong (artificial) light source where flare and scatter will be evident. You might also benefit from putting on a multi-coated filter to provide a bit more protection.