Even with 'full' fenders, be sure that you have an adequate mudflap on the bottom of the front fender. Many commercial fenders either lack a flap or have one that is too short. Without a pretty long mudflap you still get water coming off the front tire hitting the bottom bracket and crank area of the bike and also your shoes.
A long mudflap on the rear fender isn't necessary when riding alone, but it is good to have if riding with others.