I have full German SKS plastic fenders for our tandem and SKS clip ons for road bikes. The full fenders work really well on the tandem and align perfectly and keep it clean and the riders drier. The SKS clip ons work well on many road bike and I have used them on my Cervelo R3 and R5. The front fender does not fit very well but the rear one works great and keeps the crap off my backside.

I think there are many touring / commuting frames where fenders fit perfectly and work great.