All of my 3 bikes have full fenders. I can't imagine riding without them especially during winter time. I don't care too much about getting wet, because I still get wet when it rains, getting wet with clean rain water is OK ..but the best part about fenders is that they keep all the road grime, muddy water, dirt, salty slush away from my clothing. If I didn't have fenders my clothes would of been destroyed from all the salt spray... It's just too bad that so many people think of fenders as being a PITA, or because they think it looks dorky and they don't want to spoil the look of their bike.