mudguard does the chain and middle splash nicely --- but the back tire throws the junk up on your back and the front tire seems to have a spit that hits the front of you. Couple of times in the morning commute I didn't have time to attach the front or back fenders (I live with roommates who seem to like to move things, grrr) and boy, it makes me realize why I like fenders (never used to).

FYI - kinda fun -- we had a gully washer here last week - and the one underpass I go through ALWAYS floods - I mean it kills cars. I saw it and hit it - my full foot revolution was underwater and the water/waves were nearly over my 26" tire - kept on going though - I had full traction - in fact a car paced me through the long stretch - personally ... I liked the amazed look of the woman's face as she watched me.

Course - I did a deep clean on the bike the next day. It was really BAD!