I've been commuting for 4 years now in the northern suburbs of Chicago and fall has always been dicey due to the cold rains that come with it. For some unbeknownst reason, I've never made the jump to full fenders. Until now..
I guess the purpose of this post is to convince others not willing to make that step that it actually works. I modified the fenders a bit with homemade mudguards (kinda like these at this site ... http://phred.org/~alex/bikes/fendermudflap.html). What a difference! As geeky as this setup looks, it allows for more days on the saddle and less hours stalkin the Weather Channel.