I have two and am purchasing a third ss bike.
I have an old Lemond steel racing bike I converted to a ss-this spring/summer will make it a fg.
It has such tight geometry that it cannot accept fenders/thick studded tires.
So.........
I also have a ss Kona mtn bike.........bomber and great for the winter.
I have purchased a Fuji touring bike and am making into a SS-why? because I want to be able to have fenders/rear rack and thicker tires than my lemond and studded tires for the winter. And I want to be able to ride a little faster than my mtn bike allows.........
I would suggest going to the SS/FG forum.......lots of very knowledgeable and nice folks who know lots of stuff.......
I went to a touring bike instead of a cyclocross bike cause many people find with fenders there is toe overlap and I am a whiney rider and not very coordinated and just didn't want to deal with this.
I plan to do what was posted earlier: get an old fram which will allow thicker tires and make it into a ss cyclocross bike and not use fenders-----for fun and the carriage trails in Bar Hahbah........
HTH
Uber