@Knotted, so I know this is a public forum and all, so I don't need to know specifics, but I think you are in Portland area or maybe SW Washington. So, yes, I've got SKS P-45 on my Trek and likely get the same on the Surly. However, the pretty Velo-Orange metal or Hanjo's are nice and bike stores here sell them. I take my bike, sometimes, on light rail & I know from experience that the chromoplastic SKS fenders hold up really well, as well as having break-away front fender in case something big gets picked up.
What are your thoughts on fenders? Any that you particularly like?
Thanks.

ps buy at the bike shop where I bought my Surly told me that last year a guy on a Cross Check came in 4th at the Twilight Criteriums (in Portland this August 12th)! Can you believe it though? On a CC?