I hadn't read all the posts when I wrote the above. Never occurred to me that no one mentioned the River City "Reacharounds"

https://www.rivercitybicycles.com/pr...ckets-4486.htm

Brackets so you can simply cut the fender at the brake bridge and fork crown and "delete" the fender for those inches. They work very well and are standard fare here in Portland where we have wet much of the year.

With my "ellipse" of the post above and Reacharounds, plus perhaps a little trimming at the outboard lower corners of the rear fender at the chainstays, you can put fenders on virtually any bike with all the clearance that frame will give you so you do not need to change the tires. (I rode a winter with full SKS fenders on a Univega Competition and 23c tires. (25s simple didn't fit, anytime, anywhere. Early '80s race.)

And a trick at the lower rear - often you can attach the fender in front of the chainstay bridge instead of behind it. Might have to drill out the rivets for the attachment on the fender and reinstall it on the inside or make/fudge a different attachment. Depends on whether the bridge has a fender hole and whether that hole goes through. (Do this BEFORE you cut out that ellipse as this will move where it wants to be.)