Even living in the PNW where riding in the rain is normal, fenders are debated. Some people simply refuse fenders, and choose to deal with spray on their bodies and on their bike. Others (like me) go with full coverage.

I suppose my advice would be start fenderless and decide if you have a problem. The Ass Saver flap might be a good minimal compromise that does what the name implies, without the fender hassle.