I’d rather not use a mudguard, so hence the question.
Depending on the type you use, they scratch you’re paint, spin out of line, flap about like crazy on rough trails. Its not a fashion thing, I used a mudhugger for years but got fed up with all the flapping about and scratched paintwork from cable ties regardless of how much / type of heli tape protection you use. Much prefer the skid mark up the back now!
Like the gilet idea, thought about that before but never understood the point, I do now though.
Alternativly I’ve got some unused goretex fabric kicking about from a pair of army trousers I cut down into shorts. Might just sew that into the inside my existing jersey and see how that goes. Incidentally, best goretex shorts I’ve ever owned.