I too was surprised at the amount of spray that covered the back of my wife riding pillion. The tail-light support home seems to do very little at blocking what the hugger obviously misses.
For just me, no problem: waterproof Atlantis 4 jacket and pants and waterproof Kreiga pack. But still, ya gotta ask: Why bother with fenders when they work like these?
Oh, yeah, they look cool, I guess. I saw a Ducati Diavel with front fenders that looked like they were designed to keep the brake lines dry and nothing else. Ah, fashion!