1. Here's a photo of my stem set up. The horizontal stem length is effectively super short (maybe 40 mm?). I don't notice any difference at all in terms of handling with this set up or having the stem fully horizontal at its 120 mm length. I thought changing stem length from 120 mm to 80 mm was the difference between stable and twitchy. I am curious as to why I don't notice any difference when I take the bike for a moderate ride at the state park on a paved surface. Perhaps I didn't understand the talk about stem length? I am a newbie to cycling and this is my first bike since decades ago when I was a kid.
2. I want to buy fenders for my bike. I decided on this model because if in the future I want to install disc brakes or buy a bike with disc brakes, I can use these instead of buy another pair of fenders. I understand these don't require "fender eyelets" (a term I heard today for the first time). I'd actually be consoled to know that I didn't have fender eyelets to begin with. That would make these fenders the clear winner. Looking at these photos, do I even have fender eyelets?
PS: Fear not, the orange handle grips will be prompty replaced by a more sensible, matching black foam grips.