EKW ~ I rode a bike with no fenders yesterday and got wet and dirty. I feel for you man. you're gonna love having fenders. just butch them up and put these on them:

http://www.yosemite-sam.net/Sam/Vehi...-Mud-Flaps.jpg

getting ready to ride yesterday I dressed for 1 temp then decided to check the current temp on the internet and had to redress! ugh. getting cold again later in the week -don't get caught without an extra layer in your trunk!