hello ngupta,
i am a fuji user, got to your post by a chance,
fz 15 not bad camera at all, nice zoom,
about filter, do consider polarizer(circular)
it is like (in general terms) having three filter together,(warmer, uv and...)
since you have acces to internet, do find out more by searching it,
some programs (software)have filters built in,cant tell you much about it
all i know is adobe photoshop cs, but the price will send you to the moon and back,
on the other hand if you serious about your pictures, you cant go wrong with it, it is a pro software, but bloody good,
dont buy anything in this second, because i told you,
do your resarch first, read what people say, and than consider,
it sound like an advice of ol wise man,
all i can add is that i am not consider my self wise, but the truth is i am 130 years old!!!
do your homework
keep well
zdzislaw
enjoy the picture...