hi there,
First off, a filter is part of the actual software you use, it's included and using them provides different effects for your photography. Personally, I almost never use filters.
A pluggin is a product often made by a 3rd party that adds extra functionality to the software you are using. They can be very very useful and there are tons of choices.
The only painting program that i have some experience with is painter 11; it's awesome, but there's a learning curve.
Hope that helps - Marko


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