Full fenders with mud flaps will help a lot. Your chain, rear wheels, 'railers and the area where the chain stays meet the down tube will still get rasty but you yourself will stay much cleaner. That's why I went with choice two. Fenders can't do it all, but they do a lot.

Also? Look around for an inexpensive mid 80s MTB for winter riding. Geometry similar to a road bike and usually plenty of braze-ons for fenders. I won my '85 Ross Mt Hood at Ebay for $132.00. That chrome finish laughs at salt, sand and snow...