I am in the no filter camp - you want max sensitivity to ensure you can always get a guidestar in you fov - hence go for mono and no filters. Mine stays on the guidescope or on the OAG and I have had no dust issues in 2+ years of use...
The focus comment are really not an issue for guiding - in fact many recommend slightly de-focusing for best guide performance as this will reduce noise associated with the centroiding routines by lighting more pixels. If you want to do hi-res planetary or lunar shots then a UV/IR is a good idea....
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