Not sure about the fenders, but it's a fun ride. And for the right price too, 30% off. The wife is happy with her new trek, so all in all I feel like I can start to get over having the bike stolen in the first place.
There's still more to do to get a more personalized fit, but that can wait until I've taken a few more rides (took it out on the path in the burbs, I hate the path. Even with Dairy Queen involved). For now I'm happy planning a possible Sunday ride with everyone.