As a newbie I bought some clip-ons. When I needed them they were always home in the garage staying nice and dry.
Two comic experiences: On Mackinaw Island, no cars or trucks allowed but lots of horses. A popup shower hits just before we have to catch the ferry. Found out why all island bikes have fenders. Abandoned my stinky jacket wharfside but was stuck (literally) with the shorts.
Another surprise shower on a gravel trail during an overnight tour. This time I had fenders. Those without were picking grit out of every nook and cranny of their gear and themselves.
Sold me.