I have had the fortune to be able to work from home for the past three years and thus have not been bicycle commuting, per say.
I still do all of my groceries and getting around town by bicycle whenever possible, however my wife has taken up the commuting torch for the past two years.
I bought her this (barely) used MTB from a friend about her height a few years ago and she's been making great use out of it. The cheap bottom bracket disintegrated last fall and I replaced it with a Shimano sealed unit otherwise it's held up like a tank for a 40k-a-day commute.
Last week I decommissioned my 26" bike and gave her the fenders and the beefy Axiom rack I was using, and wiped a lot of dirt from it up so I could work on it. Because of this, the bike is in a very rare state of clean so she took a picture when getting some groceries this weeked:




To attach the fenders on the suspension fork I used the existing bolt hole in the cross brace and wrapped the wire mounts with some rubber tubing cut in half and wrapped in PVC tape wherever it was in contact with the fork.
I then used a beefy zip tie on each wire to hold it to the fork and wrapped the zip tie and mount with PVC tape to keep it from sliding around. This seems very sturdy, I have pictures of the assembly if anyone is interested.

Here's another shot with my get-around-town Miyata in the background: