Thing is the ones that are quick mount wont come down far enough
behind the front wheel.
to have a mud flap, so as to not have your feet not in the wheel spray.
once you have strut to bolt mounted mudguards on and adjusted,
they are simple to remove, and store.. no more difficult than mending a puncture.
perhaps, pick a bike of the fleet to have the mudguards stay on,
and another one for when you want the racy thing look.
Up North the opposite is true, I have to make a conscious choice ,
to take the road bike , without the fenders, out, for a sporting spin.
every other one has mudguards.