If you put on full fenders; especially fenders with a real front flap, you will finish rides on dirt MUCH cleaner. (Don't believe me? Do a simple test. Before you put the fenders on, go for a ride on your favorite dirt road. Hand wash those clothes. Put the fenders on and repeat that ride and wash. Observe how much cleaner the wash water is.)

Yes, fenders are a hassle. They make noise. But both you and the bike stay much cleaner on both wet and dry roads. (Paved roads too and that paved road crap is really ugly!)

Edit: I have 6 bikes. Two as winter/rain/city bikes that wear fenders year 'round. Three have fenders that go on and off easily. Summers they are usually off but usually one of those bikes has them. One bike is an early '80s race bike that only goes on on nice days and won't (and basically cannot) wear fenders.