Since I have had the Handsome XOXO built up, I have debated with myself about whether or not to put fenders on it. I think all "everyday" bikes (commuters, grocery getters, whatever...) should have fenders, but I really like the look of the bike without them.
Plus, it has been warm and dry and I have not been bicycle-commuting on a daily basis since I built the bike up. Therefore, fenders, or lack thereof, were somewhat meaningless.
Today, I got up to a skim of snow on the back yard, and a steady, fairly heavy rain was falling. I wanted to ride down to the coffee shop but, the XOXO has no fenders, and I don't like spraying road grime all over myself! So, I pulled the RockCombo off of the hooks, out in the shop building, aired the tires up, and rode it to Kaladi Brothers.
That pretty much made the decision for me. I keep the commuter in the house to avoid having to pull a bike down for casual rides and errand-running. So, the XOXO is getting fenders, either today or tomorrow, depending on how my other projects pan out today.