Fenders are aerodynamic. Which is why you see them on racing motorcycles. Most important part is to have the front fender extend forward beyond a vertical line through front hub. That one feature is so positive it more than compensates for the very slight negative effects of the balance of fender. Very slight.
There is a big difference between fender squeezes in somehow and fenders mount and fit easily. The modern gravel/endurance bikes mostly allow squeezes in somehow. If you want well integrated fenders it is still mainly custom steel. Or antiques. If anyone knows of a modern that takes fenders easily and looks good doing it please post.