I have an unrelated question: The reason I want fenders so much is that every time I ride in the rain I wind up with a ton of dirty water all over the back of my shirt. I ride a mountain bike though. Would a road bike's skinny and flat (not nubby) tires prevent it from kicking up dirty water? If that's the case, I might be tempted to go for a road bike. I tested a "low-end" $600 road bike today which was blazing fast. While I wouldn't buy a road bike costing that much, I think any road bike would be fast.