I have the Planet Bike Cascadia fenders and they are the best I've had so far. Tried most of the one's on the market. Most full fenders are adequate. I've rode these in pouring rain for a couple hours and the bike and me were clean. Even rode down miles of muddy dirt road once and only a small amount of mud was on the bike. None on me.
The mud flaps are decent. You will still kick up a rooster tail, as my wife found out while riding behind me. Still, they are the best I've found.
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Demented internet tail wagging imbicile.