i've ridden a few bikes with mad overlap, needless to say these frames were much too small for me, however, the only time that it became a serious issue was when i would trackstand and in the act of attempting to balance my self the front wheel would turn a great deal >90 degrees or so and then clip my leading foot; there also seemed to be a problem when i made reeeallly slow turns; neither of these really hampered my riding or confidency in riding.... i've had issues with fenders on my bike that fits me fine and has no overlap... it seems every winter i wage this seemingly vain battle to provide my bike and butt with ample splatter cover and relatively inexpensive fenders (excluding the big aluminum ones on my cruiser bike) that a)keep me relatively dry b)don't greatly interfere with my riding....i'm still at the drawing board there...