I know, right? I just put fenders on my bike (well I always had a seat post fender). Its quite nice seeing how wet and muddy it is now. In the summer I'll take them off and just get cooled off on those wet hot days. ;-)

Here is a nice cycleexif example of a good Canadian all weather bike.

A Bit Torrential: Cory's All-Weather Surly Steamroller | Cycle EXIF