The rack is pretty low over the tire, but there is still room for fenders. Velo Orange alloy fenders would be very pretty, would require LBS install unless you are reasonably handy with drill, saw, etc. Planet Bike Hardcore or Cascadia fenders would fit and require only a screwdriver and 8 mm/10 mm wrenches. Haven't used SKS Chromoplast.
Yeah, my Dad had a little bit of a hard time installing it! I am not sure why it is low over the tire. Do you think that it is simply because of how the way the frame of my bike is designed? It is a small sized frame, and I am 5'3 so I do not keep my seat very high.