Join Date: Aug 2006
Location: Ann Arbor, MI
Bikes: Trek 7200 FX ('05), Trek 6000 ('07)
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As Cycommute said, a fender there can cause a build up of mud and crap.
But if it is for everyday riding and you just want less slow build up of sand, mud, dirt, dust, water, oil, etc, I would suggest putting some type of shield in place.
Buying a fender seems like a waste of money, though. For everyday riding I usually have a long, concave rectangular piece of plastic I cut out from a Welch's Grape Juice Bottle fixed with tape protecting the downtube and all the componentry attached to it. Works well and when you need to go offroad in the mud, just take it off easily so it doesn't cause the whole build up.