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There is plenty of room for both full fenders and up to at least a 38mm tire (probably wider).
Also look at a Jamis Aurora. With the money you save you can get the gears you want (need) and then some.
I have a Jamis Aurora and I really like it. It was spec'd out very much like the Trek 520 and the Cannondale T800 for about 70% of the price. It...