Driving home yesterday in a light rain I saw a gentleman in a bright yellow soccer shirt riding a bicycle slowly on the sidewalk. A wide stripe of dark brown mud ran up his back and onto his helmet! As I drove past I just had to laugh and wonder what the front wheel was doing to him!
No one owned a bicycle without fenders when I was young; today finding a bike with fenders is difficult. And some of today's aftermarket fenders are ridiculously flimsy.
I do not understand the absence of fenders on today's bicycles.