Go with what works for you : In regular Bikes I have a 2019 Dual Sport and a 2020 Trek Verve 3 : Like both bikes but wanted to go a little faster : I did all the research on Treks 2020 FX3 : Everyone was a rave review : So I bought one : I HATED IT : ALthough it fit me size wise the geometry at least for Me Sucked : It was like not as Upright as the Verve but I couldn't stretch out on it like I can My Dual Sport : It was just a Poor design for Me personally : I only bring this up because I see some comments in this thread on the Verve plus are Negative,Yes it does and I personally find it extremely comfortable even on rough surfaces. My Trek dealer mentioned an upgrade to the grips that he said would take a lot of the jarring away on my wrists but I have not looked into it yet. I like a more firm ride and the bike is incredibly stable at higher speeds I guess that is why I love Mazda because of their tight suspension and handling! By the way I am about 200 miles in to my riding and not a single vibration from the fenders yet.
If after riding You like it and the Price is such you can sell it later and not have to take a bath : Go for it : For me Fenders are coming off on anything I buy. They're easy enough to put on. If you have any mechanical ability at all a Peddle Bike is relatively simple to work on. The key being a Good solid Park Tool or the like Word Stand.
Nothing matches personal experience : I also wonder if sometimes Comments from certain types are just to say something . So they repeat what so and so said. Kinda like the Rumor Specialized frames Crack : That was all over the Forums at one point : Generated from 2 complaints : Plus it was poor welds not frames actually cracking :
While it is a great source of Knowledge : Forums can also be a Great source of Mis-information from a Non Expert /Expert opinion : Like what I am giving All the best : Keep Posting