Don't worry about no filter at all unless you live in the county of Nye.
The physical filter are always in line and cannot be omitted. The Off setting means that the filter are not offset and are centered. Here's a picture from Steve Holloways Facebook page where he lets his bandscope program sample the signals over time with his SDS200 to produce a view of the filters bandwidth and signal attenuation. The names and colors are not the proper ones and the diagram are not an exact representation but shows the principal.
The green line at the top of the curve are the Off setting, where you also will have the best sensitivity in the scanner for weak signal monitoring.
The black line to the furthest right are the Normal setting, where the signal will be be some 6-10dB weaker but will block higher frequencies.
The red line to the left are the Invert filter where it blocks lower frequencies but the signal strength will also be reduced.
The blue line just right of the center line are the Wide setting that doesn't reduce the received signal much but still has some attenuation of higher frequencies.
The filter are always 10MHz wide and it is 10MHz between the left line, at 75, and the right line, at 100.
When you run the Normal setting you will receive your tuned frequency at the black line and will pass a lot of lower frequencies to the receivers IF stage. If those frequencies are too strong, probably cell phone towers will have the biggest signals, they could overload or create too many mixing products that interfere with the tuned frequency. Choosing Invert will attenuate those interfering signals but will also open up for higher frequencies that might then cause overload and mixing products.
If you login to Steves Facebook page you can see him demonstrate his bandscope program. He tunes around in the FM broadcast band and you can see that when he tunes to a strong station there are several internal mixing products that moves in the opposite direction and at some point are exactly at the received stations frequency and will interfere depending of how strong the stations signal are. When using different filters and IFX those mixing products moves differently and to other frequencies.
The bandscope program could be used to tune around a suspected frequency that has issues to see if a mixing product are too close to the received frequency and then change filter or IFX setting and see if there's a setting that has those interferencies far enough away to not cause any problems.
Steve Holloways FB page "Free Scanner Software" (needs login)
/Ubbe