My main commuter bikes both have fenders, front and rear. However, on nice days when no rain is expected I often ride another bike with no fenders. Lately there has been at least a 20-30% chance of rain every day, so my fenderless bike has been getting little use. I rode it Friday and -- of course -- a huge line of showers came through late in the afternoon. I hung around downtown, ate dinner, drank a few beers and rode home after the rain had quit and the roads were mostly dry. I was tempted to ride one of my fenderless bikes again today but the memories of last Friday are still fresh, so I rode one of my fendered bikes.