I prefer the filters that go in the drawer, not necessarily because they are less expensive. A slightly dirty or slightly damaged filter above the lens will probably work fine. Below the lens, it might not. That said, I have both types and I can see no image degradation when using below the lens filters. The inexpensive set of filters from Fotokemika is better than nothing. You give up a bit of flexibility for a very attractive price, but you can make it work.