I own two VO fendered bikes - one 622, one 559. Neither rattle. You must use leather washers for all stay mounts, and perhaps improvise with rubber dampeners (made from rubber stoppers) for mounts between fender and frame. My VO fenders don't rattle at all. I thought one of my 700c fenders was rattling badly originally after install, but it turned out my 9s cassette lockring coincidentally had worked loose and was the source of the rattle, which really stumped me at the time as I'd never had a lockring come loose and rattle.

Toe overlap is a result of the combination of frame+wheel+tire size, fender choice, fender-to-tire mounting gap and shoe size. Toe overlap usually occurs on 700c fendered bikes with large tires in the 53-58cm size range with riders with shoe sizes>10US. There's nothing you can do about it short of changing to a 26" bike or removing the front fender. The easiest solution is to learn to anticipate toe overlap in tight-radius turns which occur only on take-offs and landings, and simply not pedal when you're making the turn - or just don't turn. This is similar to learning to unclip from clipless pedals just before you come to a complete stop.