Join Date: Jul 2011
Bikes: Santa Cruz Blur TR, Cannondale Quick CX dropbar conversion & others
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Seat-tube mounted mud guards are usually integrated into cargo trays. So, for that, they are good. They will hold a bag (some of them come with one, such as Bontrager), but they don't block a ton of water or sloppy mud. They will keep some stuff off you but not a lot. They are also heavy and being metal they add some danger to a crash. Not a lot of risk, but more metal stuff that can land on you or vice versa is undesirable.
A 700c fender won't clear a 29x2.0 or larger tire-- not even ones made for cyclocross tires. Unfortunately my favorite MTB fenders, Topeak, aren't made for 29ers yet. (26" only.)
You also have to be worried about crashworthiness. I know Crud Fast Fenders can survive anything, since Peaty runs them on his DH bike. But it's a pretty small front fender, no rear at all.
Wish I could help more. I don't ride in the rain much and mud pretty close to never, so I haven't had much need for these products.