Low car diet
Join Date: Aug 2007
Location: Corvallis, OR, USA
Bikes: 2006 Windsor Dover w/105, 2007 GT Avalanche w/XT, 1995 Trek 820 setup for touring, 201? Yeah single-speed folder, 199? Huffy tandem.
On my commuter, in the back there is only one set of eyelets. To use a rack and full-coverage fenders, I use an extra long bolt. From outside to in, it goes: Bolt, rack, eyelet, fender, nut. If the eyelet was not threaded I'd put another nut between the eyelet and fender.
I find this setup secures the rack just as well with or without the fender. But, this is on a fixed single-speed w/120 mm hub w/extra spacers for a 126 mm frame, and the bolt runs close to the chain.
For a geared bike, I imagine this might work: Bolt, fender, nut, rack, eyelet, nut. It keeps everything but the second nut on the outside but should secure the rack well if the first nut presses the fender really tight against the bolt head. Of course, it won't be quick to get the fenders on or off, but here in the Willamette Valley of Oregon, I keep the fenders on the commuter year round.