5'10" tall, 54cm ST / 56cm TT (surly says it's a 54, but it fits like most road 56s), 10-1/2 shoe (eu 45), 50mm tires (700x48c) + fenders, 175mm cranks

I didn't have the problem before I put on the fat tires and woody fenders with fender-end-adjustments (just like sks fenders). At one time I had 28mm tires with planet bike fenders and didn't have any trouble.

With the 50mm tires, I adjusted the fender as close to the tire as possible and clipped off the excess fender strut on my woody's fenders. Now the problem is rare but still happens.

I just ordered some 700x38 marathon supremes and plan to keep the fender tight and clip off a little more of the strut. This should eliminate it unless I'm using the platform side of my pedal and let my foot rest too far forward.

I actually prefer 170mm cranks, but my bike came with 175 so I'm kinda stuck with them. If I ever replace them I'll go 170 and likely eliminate overlap alltogether. I like fat tires so I'm gonna stay as fat as I can get away with (and 50mm is simply too fat for the cross check)

My trek 1200 had overlap when I tried to squeeze fenders on it too, and it has 23mm tires and 170mm cranks. I think a lot of road frames are hopeless with this issue.

Edited to add: I still have overlap on my xc with the new 700x38s, but not nearly as severe as with the 50s. I guess its just a road bike weakness, I'm not going to put super-skinny rough-riding tires on it just for low-speed steering