I have fenders on most everything I ride, but I am in the Willamette Valley where we occasionally see a funny yellowish, bright object in the sky come July, but we ignore it until the rain starts again in September.

My wife isn't a big fan of fenders, although she has them on her town bikes. On the tandem, we have a fender on the rear, I ride stoker, and nothing on the front. She claims it creates a potential toe-overlap issue, and since front wheel spray doesn't reach me, who am I to complain?