Easily the best diagram on this thread for the wet riding we do in Oregon. And eastern Massachusetts and southeastern Michigan. I've done little enough rain riding elsewhere to have any business commenting on how water behaves in other states.

The five spray arrows off the front wheel - yup, matches my experience. I love full fenders with deep front flaps. (That flap does about as much to keep road water off the bike and myself as all the rest of the two fenders. Keeps my feet far cleaner and the vast majority of the grit out of my drivetrain. I get the jersey stripe being a badge worn with pride but I don't get the love of grit in the drivetrain (or is chain cleaning a meditation practice?)