I don't know what took me so long to buy some fenders for my bike but now that I have them I love it!
I bought some SKS "Commuter" fenders for my bike (45mm) and can't see how I rode without them.
Big shout-out to my local bike shop in Plano, Texas, Plano Cycling for having exactly what I needed for my bike!
Anyone else still considering fenders? Go get them because they are well worth it!