Take a look at most cycling club guidelines, and you will find that not riding with mudguards is considered quite antisocial. Indeed, many clubs will not let you ride in winter without them. The mudguards below are fairly cheap and designed for road bikes. They can be fitted in about 30 minutes, and are easy to remove. There is a very good video on how to fit them too. No excuses.

http://road.cc/content/review/33843-crud-roadracer-mk2-mudguards