As documented in another thread, I'm one of those unlucky riders that got an on-road gravel chip bounced up between the fan and the radiator, resulting in the fan motor burning out. That made me a believer in the fender plus the Fenda Extenda...which extends the rear of the fender a few more inches to keep stones out of the engine area. Price a factory fan or radiator - it will shock you. You can find alternatives and make them work of course, but I'd rather avoid the whole problem again.
Someday is not a day of the week.