Best, all-around filter to get would be a polarizer Shaun. They make all the difference in the world, especially when taking pics of the sky and where water is involved.
Another good one would be a variety of UV filters.
I'm not real sure about digital balancing, but back in the day of 35mm film, I used to use 81's and 82's to balance out certain situations with yellow and blue. 81's will "cool" off a picture, (produce a blue cast) and 82's will warm up a picture by blocking blues.
Graduated blue, gray and reds are fun to mess with too.
Don't cry because it's over, smile because you were there.
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