Hugger, rear fender or what?

[Andre]

As a retired dry weather rider, I got rid of the hugger fitted by the previous owner and put the original chain guard on. Discovered quite a bit of pitting on the swing arm where the hugger contacted it. Obviously road grid got in between there.

On my first 14, original mud guard, I never observed this issue even though I rode in all weather conditions -all parts of the bike (and me) were equally wet 

[northern]

I also prefer not to ride during rain, but it not always possible...
There is mine after some rainy ride on a road construction section:

[Andre]

Looks like if you like to clean get a rear hugger - one more piece for your enjoyment. Now I really regret having gotten rid of that thing