Some people don’t like fenders. They add weight, they cost money, they look unsporting. Whatever the reasons, if it’s raining, not having a fender leaves you sitting after your ride with an interesting damp stripe down your back.
Some light, folding products can potentially help.
The Quick-Fix look good, are pretty stable, and easy to attach.
My favourite is the Ass-Savers in-seat fender.
There’s only one problem with all of these. If you’re a downtown rider, you should think about the cyclists behind you. These folding fenders may keep the damp stripe away, but none of them stop you spraying the person riding behind you.