Run a variety of fenders on a variety of bikes. MTB fenders keep most of the mud and water off you, but are much less effective than full coverage fenders. Those keep almost all the water off your feet and almost all the crud off the bike frame.

So for commuting DURING a rainstorm - I really like full fenders, but clip-ons are fine for commuting on wet roads AFTER a rainstorm. The road bikes are fair weather animals and have no fenders. But they look pretty good naked!