On old my sputnik, I occasionally had toe strike when pulling a u turn, etc, but it wan't at all a problem, just made a weird sound. I have read some say that it becomes a problem once you put fenders on a bike and can cause you to go over the handlebars. Some have told me its a legit concern, and others its unrealistic. What is the general consensus?

Oh, and I ride fixed, ss, and geared. I know it is probably worse with fixed though.