We took our tandem out for 42 miles today
without fenders. But the mounting stuff for the panniers act sort of as a fender, and I stuck a mini-fender on the back. It was Christmas gift from a neighbor a year or so ago, works great on the tandem but on a solo bike isn't long enough to be useful. Wet roads, cold-ish temps, no active rain. My sweetie ended up with a clean rain jacket!
The aftermath:
