^ This. I've got the little quarter fenders on one of my bike (purely aesthetic, came with the bike and I like the look, but they don't do squat) that are coming off. Normally I take my front wheel off, slide it in the trunk and turn the handlebars sideway, but that fender prevents me from turning the handlebars to make it fit better. Can't imagine my fun with full front fenders.

That said, it is all situation dependent.