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yes, mostly when fresh leaves and foliage on the ground get rained on the first few times in atumn. then a lot of it ends up in the guards, if you dont have them set up so that the distance to the tire starts at its minimum and increases.
but thats like 2 weeks a year, otherwise its fine: either more wet, so that everythings flushed through, or so dry that nothing gets sucked in.
mud and studded tires are a different story though... they need lots of clearance imo.
but ymmv
The guard is closer to the tyre at the BB than it is at the rear. Stuff can get in but not out
Also mudguards despite their name, are shit with mud