I ended up getting the PlanetBike Grunge Guard for my bike. It attaches to the down tube and keeps spray off the front end of the bike (and me - and my water bottle), and I"m letting the rear rack act as my "de facto" fender.
The guy at the shop was going to order me a set of full fenders, too, so we could jury-rig a fix for the rear tire, but the ding-dong wrote down the wrong part number and ordered 2 Grunge Guards! I haven't pressed the issue. I think this will be sufficient. I put it on my road bike, and had clearance issues with tight corners (it hit the front tire), but that doesn't appear to be an issue with the commuter.



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