While you should learn to remove your wheel for fixing flats,do you need to, to mount a fender? I've found that deflating the rear tire and using full-size allen wrenches w/ball ends lets me get to the chainbridge bolt just fine.
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C'dale BBU('05 and '09)/Super Six/Hooligan8and 3,Kona Dew Deluxe,Novara Buzz/Safari,Surly Big Dummy,Marin Pt Reyes,Giant Defy 1,Schwinn DBX SuperSport,Brompton S6L/S2E-X/M6L-X/S12 T Line