This is like the helmet thing, It's personal choice OK? I don't get a wet arse, I'm not uncomfortable? you don't have to worry, in the couple of hours I do night riding, and the 3-4 hours I do at the weekend, I'm more than happy.
I only ride about 100 miles a week off road (couple of local night rides and a nice weekend hoon across propper mountains)so I'm not a big mileage rider. I am however a total crusty and when my outer riding gear gets muddy I just dry it out and wear it on the next ride. It's personal choice. I've been mountain biking since the late 80's and have tried all sorts of mud guard/crud guard and just don't like them so hey I must be vain and shallow etc….. 🙄