Oh, and some form of fenders are really nice. Even on the driest of winter days, there's always some snowmelt trickling across the street somewhere.

I'm lucky that two of my bikes were designed to take full fenders. Of the remaining two, one gets Crud Roadracer fenders (the Mk 2 version) and the other gets a quick-release rear fender. These ones by Bontrager have a quick release that mounts in place of the spacer washer between the brake caliper and the frame. Then the fender clips right on.