Before I heard about you guys using leather flaps I used 2 liter pop bottle plastic to make up fender extensions or flaps. To attach them I drill four small holes and use two small size zip ties to attach the flap. Clear for most uses and the odd time I'll use 7Up green...

Either way +10 or wherever we are up to for what John said. If it's wet on even a semi regular basis in your area you want good fenders both front and rear. The clipon ones work in a pinch but nothing beats the protection of close fitting proper fenders with extension mud flaps on the front at least.