I was thinking about you, Tootsie, this morning when I was doing my nails. I have followed your advice, stopped getting acrylic nails, and now I just buff my nails. Not only do I save a lot of money and time (due to not having to drive to a salon), but I don't have to live my life saying, "Can you help me? I don't want to break a nail." My family got so tired of hearing that.I think if you take care of your toenails and they look nice without polish, then NO they do not need to be painted, unless you choose to do so. I finally figured out that long term use of nail polish makes your nails yellow - I prefer to go without. and I do go without on my fingernails ALL the time now - who has time for friggin polish?
but toenails need a little something to make them look nice. if you can keep them clean, filed nicely and buffed, then no polish is needed. its really much healthier!
otherwise, I do like a good American French polish job. (white tips are more natural looking, and not so glaringly white).
Also, I wonder how healthy it is to breathe in the acrylic dust when going in for a fill-in? 
I was thinking about you, Tootsie, this morning when I was doing my nails. I have followed your advice, stopped getting acrylic nails, and now I just buff my nails. Not only do I save a lot of money and time (due to not having to drive to a salon), but I don't have to live my life saying, "Can you help me? I don't want to break a nail." My family got so tired of hearing that.Also, I wonder how healthy it is to breathe in the acrylic dust when going in for a fill-in?
Anyhow thanks a lot for the tip!