I live on a dirt/gravel road. The rear fender is pretty useless in shielding anything in the back from mud. Everything from the swing arm pivot to the rear brake light get covered pretty quickly. My greatest concern is the vent for air to get to the charger cooling fins. This area is next to impossible to clean without removing the entire charger from under the seat. Note that there is a fan at the opposite side from the vent, so you don't want to flush dirt into it. My current solution is to form a cover for the vent that takes air from the sides. The cover has tabs that fit into the current opening. The back end is bolted through the plastic in front of the seat bolt.
