I've been hit in the face w/ splash-up & mud bits front the front wheel (back 1/2) when the wheel was off parallel to the frame, as-in an abrupt turn, especially on a mountain bike
with my bikes w/ front fenders, in the rain. at speed, the water that is tossed out the front/top of the tire, from under the fender tip, has flown up, in the wind, at my face