You're not really getting this cycling thing are you? My bike doesn't have mudguards, which I need for commuting ----> therefore I need a new bike! Simples.
On a more serious note many road bikes just don't have enough clearance to fit guards readily, meaning either leave them off or fit some of the clip on ones.
I have an allez roadbike, and commuted on a hardtail mountain bike, which went to the great graveyard in the sky. I then had a 80's racer, which wouldn't brake in the wet and has a buckled wheel. I was half-heartedly refurbishing a Carrera subway, which needed much more work than I thought, when I was presented with an Edinburgh Bike gift voucher. That and a 15% off sale was enough to persuade me to buy
this.
It's only been a week, but so far so good. I expect I'll even use it as a trainer in wet weather. I used to carry my work gear in a backpack, and I also bought panniers, again so far I'm very pleased with them.