Rode the other day with just a crud-catcher in front, rather than big moto-style ‘guards I’m used to.
Was horrid! I hate getting filth of indeterminate types in eyes/mouth/nose. Don’t care what they look like, I’ll stick with ’em.

Bender fender, and a crud catcher on the downtube, keeps mud out of my eyes/mouth, being muddy everywhere else doesn’t bother me.

Any fender at the back just swings to the left or right and so is rendered ineffective from experience…

Bender fender on my fs, bender fender copy and a sks x-blade on the ht. Waterproof shorts (well chopped down cheap trousers) help as well.

Fender Bender & Crud Catcher mounted a little lower.

Fender Bender Mucky Nuts (From Charlie the bikemonger) on Both bikes and waterproof shorts