I finally broke down and bought a brand new bike. It is an 05 Giant OCR 3. I already have two questions. I noticed while buying the bike that there is only one eyelet in the rear for attaching things like fenders or a rack. Any suggestions on which is worse a seat post mounted rack or fender? I'm leaning towards attaching a seat post mounted rack since I am not doing serious touring (at most 10 mile commutes on flat flat roads in florida) and have been told that clip on fenders suck royally. The other concern I have is the amount of clearance between the rear wheel and frame. I'm not sure there is even any room to mount a full fender without rubbing against the wheel. Here is a pic (a lil dark) of the rear end of the bike. Any suggestions or help (including brands/models of either kind of product) would be greatly appreciated. I'm new to this so be gentle on me. Thanks in advance.


edit: I dont know what I was on last night (lack of sleep and too much work ) but the bike I bought is a Giant FCR 3 not an OCR. Want to be sure I'm not misleading anyone