I fitted some to my pompino commuter earlier this year.
Prior to fitting I was of the opinion that mudguards were noisy, awkward, made changing tubes difficult, ridiculous looking, fragile, crap at their job and got in the way.
Now I’ve fitted them I’ve had all these views reinforced except for the ‘crap at their job’ one. They really do keep an amazing amount of crap off you.
I still don’t see the benefit unless you need to keep yourself clean for something like going in a smart cafe or wearing the same clothes when you’re riding home/the next day. If you’re doing the same ride no matter what the conditions or the length of time, ho hum. It’s a wet/cold bum or some mud. If the weather is adverse then you’ll have much bigger issues to deal with.
I’d say the only one I’d fit under non-commuting conditions is a down tube type where the bike has a slim tube but only because some mud can spray on my glasses.