I think I just found something worse than adjusting brakes...installing fenders!! Or I should say, installing fenders using p-clamps b/c the bike does not have a second set of eyelets (rear eyelets in use for a rack, front not in use but I wanted to leave them open for potential rackage in the future). Finally got it done, but not sure how well the whole setup is actually going to work. The front one wasn't too bad to install, but the rear was, well, a pain in the rear because it was so tight working around the drivetrain and the rack, and things didn't want to fit.