My commuter came with fenders.
My new bike doesn't yet have fenders installed on it, but I have some SKS Longboard P45's for it.
They're a pain to install. New style, you
must cut the fender stays, so I put off the install. Also, the instructions are less than clear.
However, while writing this post, I found a youtube video by rivbikes that shows exactly how it's done.
I'll have these suckers installed before the weekend.