I find fenders especially useful for gravel paths, where without them the gravel is being picked up by the tires and hitting my feet, legs and bike frame (You can hear a *ting* *ting* sound of the gravel hitting the frame). Also the one time I rode a gravel trail without fenders I got a small piece of gravel really lodged between my chainrings which would not have happened if I had my fenders.
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