I see your point, though it's ~10 mins to deal with. I prefer riding with them off, there's only really a few tiny reasons though - I prefer how it looks (shallow and not really a good reason I admit), I prefer being able to flip the bike up on it's back wheel for elevators/GO train mobility, which I can't do with the back fender on, and I get occasional toe overlap/leg scratching going on with the front fender adjusters that's a pain sometimes. The leg scratching usually happens when I'm walking along the bike somewhere and that frankly hurts a ****load - I could cut them shorter, but I'm also remarkably lazy - if that makes any sense Overlap only occurs when I'm forward on the pedals not being clipped in - like when trying to ride backwards or something. Changing a flat is easily done with fenders on or off, that's no problem.

Once the weather starts not being nice as the norm, they'll likely stay on until the Spring.