Don't need fenders. Mud washes off. There is a flat piece of metal that goes over the TC belt. But I need to find the right flexible metal that won't look like I hacked apart a filing cabinet. Maybe just something temporary. Although from the ones I have had in the past,it really doesn't do anything. All the mud at Windber was no problem and if it gets wet or muddy it dries off quick with a little friction from revving the engine. And With that clearance,I have never bottomed out on anything enough to worry about the TC or chain. Plus I always carry spare belts and drivers,drivens whenever I ride. As far as protecting the engine. I haven't seen a rollbar for a T555 around here and I dont have a bender to make one.