The best thing about being an over 50 commuter (58 here) is that I don't let the fashion police dictate what my bikes should look like. Full fenders are decidedly frumpy looking. And I don't give a schidt. I can still drop guys half my age while pushing fenders and dynamo lights, and on days like today, I stay clean while doing it.
The best thing is riding at one's own pace on personally preferred equipment and not giving a "schidt" about dropping or being dropped by
any other riders, or what the
Serious Cycling Fashion Police™ may dictate.
68 and retired 3 years ago, still ride everyday on the same bike I used to commute with since 1999.