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Don't know what size your after but if you can deal with polished silver they are reduced at condor - https://www.condorcycles.com/collections/portland-design-works/products/portland-design-works-full-metal-fenders-city
As for the velo orange being an issue to install. Never really found them an issue. And once done no harder to take off and put back on again than any other.
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I'm the same as you, not tall enough to fit lights below my bagman, although I do have fenders.
Yet to fit it as still building new bike. But my plan is to use this attached to the chain stay.
https://velo-orange.com/collections/lighting/products/e3-light-bracket-small
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What's wrong with restrap?