So I got a flat and I was right by the bikeshop and had no tools on me so I went in to get it fixed. While I was there I mentioned I wanted fenders and they had the VO hammered and only charge $10 for installation, so I said what the hey. I was hungry and not thinking, and they ended up putting on the 45mm. Now I have these gigantic fenders and tiny 28mm tires. I need new tires anyway - how much will 35 mm kill my speed?