No, not whether to fender or not. THAT'S obvious.
What I seek is the elegant solution to fendering a properly bossed, 700c, racked up, heavy tired, stuff sticking all over it steel frame touring bike.
I have a set of Velo Orange fenders and I find them, in this order: effective in the rain, rattly, ill mounted and, in a tight turn, the mounting hardware on the front fender will absolutely interfere with my size 13 shoes. Its a matter of time til it costs me some skin and blood.
Perhaps a "re-install" is in order...but I don't think there's any moving the mounting hardware.
In any event, I'd love to hear from the true believers. Show me some passion and yes, there will be bonus points for those who make me feel it.
You may begin now.