I know not what of these fender things you talk about? The only rain gear I have is a cell phone.

Truth is I got rid of the only bike I had with fenders. Because of where I live and the stage of life I am in I don't go out in the rain. There is always tomorrow. I have often thought about a bike with fenders as a N+1 but once I start looking something else catches my eye. I have nothing against them other than remembering how they would rattle on my old baloon bikes when I was a kid.