SheFly, I had a fender on my bike, too, but somehow I didn't end up looking like you. I was by myself, so I had no spray from my husband going in my face. I found myself going out into the middle of the road on Monument St. to avoid big puddles. Thankfully, I was going in the opposite direction of the rush hour traffic. My feet were pretty wet; I had to hang up my toe covers on the coat rack to dry out.
Almost 60 degrees today!!!