If, on a scale of 11-10, full coverage fenders represent a 10; then all other partial and quick release fenders exist in the 1-3 zone. They may be better than nothing but not by much.
Put some mudflaps on the back of both full coverage fenders and you're dialed up to 11.
Sometimes you have to chip out some dried worm carcasses from inside your fender. Your fenderless ride mates have to check for stowaway worms before every swig from the water bottle. (And it's hilarious when they don't!).