Irulan, probably depends on the quality of your mud. Some of our mud is like clay and you get huge gobs that can cause your chain to come off, wear your rims if you don't have disks, etc. I've seen paint jobs destroyed from mud causing a chain to derail. You end up having to replace cables and components more often because it just gradually works it way into the casings and other nooks and crannies no matter how good you are about cleaning. I've seen bikes inoperational on the trail because of the mud build-up.

Maybe your mud is friendly! Ours is not!