Every bike I ride has the trivial inconvenience of toeclip overlap.
I've toured with and without fenders. Some are easier to remove and reinstall upon arrival by airplane. They are nice in rainy climates. I've also used a front clip on fender and my seat backpacking bag to keep much of the rain water off but for me or just gone without. I have a set of VO fenders, it took maybe 90 minutes to install. The SKS are quicker. I have a set of Hojo that still sit unused.....those will take forever to install. Arriving by plane and reinstalling fenders is no fun but sometimes worth it.