Re:
I have mudguards on my Genesis, factory fitted and the rattle a lot. I tried some on my KTM winter / carbon bike; the back was great but I could not get the clearance under the brake on the front, so on similar roads to the ones you describe Ken, I was soon scritch, scritch scritching along.
My daughter rides with a local club and they all seem to manage somehow, maybe I'll try again when I build up my winter steel bike (Rourke) in the autumn. I wouldn't want to be unsociable now, would I.
As for levers, I have found that I prefer Shimano lever higher up the bars than SRAM, it must be something to do with the shape.