OP...you are making a mountain out of a mole-hill. It should not be that complicated.

Removing and/or replacing your rear wheel should take less than a minute and should require a single wrench.

First, to prevent bearing play or overload, make sure your bearing cones are properly adjusted with the locknuts fully tightened. Ditch the chain tensioners and use good quality track nuts. Don't be afraid to torque those nuts down pretty hard.

I've never needed to walk the wheel back (as described above). Just pushing the wheel back with my thumb and holding it in a centered position as I tighten the tracknuts gives me perfect chain tension. I've never ever derailed a chain....never...and I've logged more than 30,000 miles fixed and ss by now. People who are "walking" the wheel back are not doing it correctly or are putting way too much tension on their chain. The chain should have no slack, but certainly should not be under tension. A little pressure with your thumb should be enough.

You should be able to set up your fenders so that there is enough clearance behind your tire to pull the wheel out. I'm using Planet Bike full fenders, with horizontal track-ends, and have no problem pulling my wheel out of the frame without even touching the fender. Its a non-issue if set-up correctly.