Rule of Thumb: (R.O.T.)
Good quality UV filter on to protect your lens. All the time, it doesn't affect picture taking atall atall.
Circular polarizer: Useful to eliminate non-metallic reflections, and control sensitivity on really bright days. For my shooting style, only under controlled conditions, for a short time.
They can and will cause a lot of flare, when shooting into the sun. I use mine seldom. Otherwise, use the white balance program of your camera to match the light conditions, but don't for get to reset.
Lens hood: good; I use mine all the time.