It isn't hard to cut the fenders and simply install River City Bicycles' Reacharound Fender Brackets. ($15) I'm guessing most modern bikes will also need Sheldon Fender Nuts. ($15.99) This will give you a fender that is simply deleted at the fork crown and brake bridge and now extends a touch farther forward and back (both a plus if you and those behind you staying dry and clean is important). It sounds like that would leave those areas of the bike a mess but it doesn't. Seems that muddy water is traveling fast enough that most just shoots forward to where it would go anyway.
Portland, River City's home, has enough of those Reacharounds out there that they area completely proven product.
https://www.rivercitybicycles.com/pr...ckets-4486.htm
https://problemsolversbike.com/produ...on-fender-nuts