ND filter question

Sorry if this has already been addressed, but I sifted through the search and couldn't find exactly what I'm trying to figure out.
I'm trying to get some NDs for the pocket camera. I decided to go with regular NDs and not variable. I found some really nicely priced tiffens on Ebay up until 1.2, then they start to get pricey.
So my question, if I plan on shooting around f4 or f5.6 will ND 1.2 be enough when shooting in daylight?
Also, I'm under the assumption that after .9 I need an IR cut filter. Will this do the trick? http://www.ebay.com/itm/220939814135?ss ... 1423.l2649
p.s. The reason why I'm not going with a variable ND is that it sounds like you get better image performance out of regular NDs. Is this true?
Thanks for any help!!
I'm trying to get some NDs for the pocket camera. I decided to go with regular NDs and not variable. I found some really nicely priced tiffens on Ebay up until 1.2, then they start to get pricey.
So my question, if I plan on shooting around f4 or f5.6 will ND 1.2 be enough when shooting in daylight?
Also, I'm under the assumption that after .9 I need an IR cut filter. Will this do the trick? http://www.ebay.com/itm/220939814135?ss ... 1423.l2649
p.s. The reason why I'm not going with a variable ND is that it sounds like you get better image performance out of regular NDs. Is this true?
Thanks for any help!!