The full Monte is a wider flap that rides near the ground, sometimes it's a soft flap like a semi truck. This keeps spray even off your toes at the bottom of the stroke. People above were saying you need less rear coverage... you need it out nearly beyond the wheel because if it's fast enough and wet enough, the tire will launch spray over your head and into your face. You can use longer than that if you are worried about spraying behind you, like a trailer.

I had SKS longboard fenders on my bike for a while but it rains seldom enough around here that I took them off again. They were much like this, though. Here's a photo from someone else on Bike Forums

http://www.bikeforums.net/classic-vi...-1992-a-3.html