I have 4 commuters that I use on a regular basis...none of the beaters. I only run fenders if I absolutely have to which is from about now until May. I have a road bike with fenders for rain,
a mountain(isn) bike with fenders and smoother tires for light dustings of snow and when things thaw (which is about 3 days after any snow here in Denver),
a mountain bike with fenders and normal knobbies for light, dry snow days and for deep dry snow as well.
Finally I have a Moots YBB with studded mountain bike tires for snow packed/icy days. (It's in summer plumage in this picture)