So many questions!
For me, with mud - make sure I have enough speed going into it but I'm not out of control. Dig in and pedal! Don't make any sudden moves, and don't brake suddenly - you'll go down. Try to pick the straightest line through the mud. Also, keep your mouth shut(though you mention fenders, you're probably protected!)
I prefer puddles over mud, but that's partly because mud beside a puddle here means you are widening the trail (which is frowned upon. But so is riding on most dirt trails when they're that muddy to begin with).
Mud and water both suck when it comes to braking afterwards if you have rim brakes - disc brakes (on some hybrids and most mountain bikes) handle muck a little better due to the design. Just make sure you give yourself a little extra time to stop afterwards. They'll dry out soon enough (and they'll squeak in the meantime).
Tire choice, tire pressure, brake system, and rider skill will all affect how a mountain bike handles in the mud - it won't necessarily be better or worse than what you have now! I suck at mud. But my mountain bike is pretty low-end and I don't have a lot of practice.
Hopefully some of the 'cross folks will chime in with better tips!



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