Oh yeah, I meant to add to mine that I agree that a separate beater mtb or road with better clearances may be the way to go.
I suspect the thing is the Brava is a fairly "entry-level" bike (this is in no way to disparage you, Jay, I'm the same way myself). It retails around $600 so to talk about spending another $150 or $200 for a backup bike starts to sound like a lot of suck to somebody who feels like they ponied up some dough to get a $600 bike. I understand that.
Still, $30 fenders + crappy mountainbike at $75 may be the way to go.