I'm on a 56 cm Xcheck, with size 9 feet, but size 10.5 shoes (warmth of extra socks!). With fenders toe overlap is terrible. I put my PB fender through the fork twice this winter. As soon as spring made an appearance I took them off. No fenders, no toe overlap.

I don't get used to toe overlap, but I do deal with it because I love the geometry so much otherwise.