Ken, skip the circular polarizer and just wait for dusk or wake up at dawn to take pics outdoors. Direct sunlight shots will always look "washed" no matter what lens you use. You might be able to get away with it if the subject is in the shade, but even then its a bit tricky. A circular polarizer will cut reflections and looks great in some cases, but really not needed in most situtation. In other words, you don't want it on all the time.
Now all you need is a speedlight flash to take good indoor shots, a "fast" low aperture lens (like a 50mm f1.8 which is really inexpensive) and of course a tripod & remote trigger.
Also, in addition to a UV filter, a lens hood is a good addition if your lens allows it (might be unlikely if you have the 18-55mm kit lens though).
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