All the above (front guard needs to be fitted a lot closer to the tyre - benchmark: can't see through (from the side)).
For the rear, remove the reflector. When fitting to the chainstay bridge, use a nice big washer to spread the load and some thread locker on the bolt. Or if the hole is not tapped, use a nylok nut.
Check you have clearance between tyre and the bolt head, and if tight, use a flat headed or low profile button headed one.
You owe it to yourself and your face to get 'security clips' for the front stays.
https://www.spacycles.co.uk/m19b0s190p3559/SKS-Mudguard-Secu-Clips-3-4mm-(pr)
Description | Safety clip to allow the release of the front mudguard and prevent the front wheel locking if something jams between mudguard and tyre. |
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https://www.cyclinguk.org/article/technical-guide/mudguard-safety
"You wouldn’t think that such inoffensive accessories could be dangerous, but a front mudguard, incorrectly fitted, could possibly kill! There have certainly been serious injuries. Here’s how to prevent them."
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