I don't usually worry about it for my own bikes. It bothers some people a lot. My current road bike has overlap with fenders, I think, haven't experienced it lately. It is disconcerting, and happens at low speed where it's the biggest problem. But for many smaller people on poorly designed bikes, it's "foot overlap," not "toe overlap" I am pretty sure that in most cases when it has happened, I power the wheel past my toe. If that isn't possible, then you are going down hard. I consider that a problem.