I recognise it's nice to have long guards but is there any other reason the CGR mudguards are particularly bad?
If riding on mixed terrain, as the bike is designed for, you will get a lot of carp on the back of your legs and front mech from the rear wheel. You will get a lot of the same on your feet from the front wheel.
That's assuming you are moving at a reasonable pace, and not U3A pace. But if you were with them you wouldn't need a bike this good!!
If the riding is to be primarily on the road, then maybe this is the wrong bike. I sold mine when I moved off mixed terrain to road riding. It was the wrong bike, good though it may be in other respects.