On a road bike or s/sp with freewheel isn't a big deal, worst case scenario you pedal back a little.
On a fixed-cog is a bit of a pain. But that is the punishment for riding fixed-cog outside the track
Mudguards are a different story, they may be a real necessity for a use that is not only "commuter". And toe-overlap with mudguards is an unfair nuisance.
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