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However much it has rained, anywhere in the world, I've always found I've been dryer than people riding with me without mudguards! When it really comes down there's loads of water on the road so they make more of a difference. And you dry sooner when it has stopped, especially at night, as the roads don't dry straight away.
Moist people don't use them but I was really glad I had them last year, and also on IPWR. [freudian typo - meant to write 'most' but 'moist' is better!]
National 24h in north west England, I can understand but the rain that will hit in the Balkans, whe it comes is so torrential that no mudguard will save you and the rest of the time they are a mechanical waiting to happen.