mudguards are for wimps! -
theres nothing better than flying down a hill getting splattered in mud or going through puddles and getting a bit wet...
I spent £1300 on my bike and its not having a mudguard on it! and for the record I dont have any reflectors or a bell either on my bike...and before anyone starts - I already know I am going to the big bad fire !
so save your 'an inconsiderate cyclist' posts for someone else...