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eh i don't think so. depends on where you live though. it is just so consistently damp here that i wish i could have a warp speed bike just with the one caveat of mudguards. like i'd kill for a tarmac disc with hidden mounts. i think you'd be more right with the older race bikes with tight clearances. but the ultimate, tarmac, even aeroad, foil, etc. all fit 30+mm tires now, so you could clear a 28 or 25 i figure with a guard in there w/o having to increase frame clearance.
really is a shame there isn't a modern road race frame with actual mudguard mounts