count me in as a fender fan
I have them on hybrids & a mountain bike. but not on my road bike which I will ride thru some light sprinkles but not for rain. I used to have hybrid that I roadified for commuting & kept the fenders on for fair weather joy rides too
the front mudflap keeps the MTB chain way cleaner
the front mudflap still allows a little splash on the bottom bracket but it keeps most of the the mud off the chain. & it's not from looking at it that I know. I know because w/o the mudflap mud will gunk up the chain so much that it sticks to the front chainring & binds up (aka chain suck) so I have to stop & wash the chain. w/o the mudflap the grunge guard gets splashed but my water bottle is always clean