Join Date: Jul 2007
Location: Parker, CO
Bikes: SS Surly Crosscheck; '91 Cannondale 3.0
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I'm the one who had the PB endo (I think). Twice, in fact. I was not moving at a high velocity, which is why the toe-clip overlap was an issue at all, but the fenders did not rip, and really didn't accordion, but folded up into the fork causing the endo.
I have the SKS P45 now with the clips, and I'm not sure if the secu clips matter or not. I did buy them partly because of the secu clips. I, too, sometimes worry about the crown bolt making the secu clips otherwise useless. My issue wasn't an object causing the accordion/folding, either, but my toe.
The one hope I have for the SKS is that they are MUCH sturdier, being the metal sandwiched between plastic. The PBs are very flimsy and fold easily.
I have hit my toe on the SKS fenders with little problem.
To the OP, no need whatsoever to remove the clips when mounting. Mine do take a little bit of umph to remove, but it shouldn't damage the plastic at all. That is, give 'er a bit if you really want to take them off that bad. They'll come off with a pop.
Hope that helps.