Thanks guys.

My lenses don't even come out of the bag without a uv or skylight on them. I just shot a roll of some of New Jersey's lighthouses with a ND4. They're not back from the lab yet, so I don't know how I fared.

With each post I seem to get more ideas, but also more questions...

Does the ND filter effect the cameras light meter? It seemed to me that the camera was suggesting lower shutter speeds at moderately open apertures. Even with 100 asa, I was expecting 1/250 or 1/500 from the camera and it was telling me 1/125 on a bright day. Needless to say, I trusted the camera instead of my instincts...the camera's proven me wrong far more than not...