You don't need to be an 'investor' to invest in Singletrack: 6 days left: 95% of target - Find out more
SJS and CRC sell secuclips iun there own:
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[url= http://www.sjscycles.co.uk/product-SKS-SKS-Secu-Clips-for-Front-Mudguard-Stays--Per-Pair-693.htm ]Sjs Link[/url]
TBH I think I'm swinging more and more towards the Roadrat. I've yet to hear that I can definately get one via my work's particular scheme, hence still wanting to hear about more "mainstream" possibiities should I have to resort to Halfords.
You can order a Roadrat through Halfords no problem - I ordered mine through my works scheme from there the year before last. I went into the store, told them what I wanted and they put it through on special order. I think I just had to call Cotic first to check on stock.
For what it's worth, I'd say it's a good match for what you're looking for and ticks all the boxes. You will probably need to be careful with tyre choice though given your mixed commute. I run drops and cross tyres on mine and it will go in most stuff, althought it gets a bit sketchy on really rocky trails. Absolutely rips on tarmac, fire roads and smooth singletrack and is a great mud bike.
Oh...and toe overlap has never been an issue on mine, even with the "short" frame.
this is what I got through Cyclescheme last year when faced with similar requirements :
This would seem to be just the ticket. Review doesn't specifically mention mudguards, but the concept looks made for these requirements.
[url= http://www.bikeradar.com/gear/category/bikes/touring/product/vaya-10-39445 ]Salsa review[/url]
Big tyres and mudguards with drop bars on a small sized bike will always give you toe overlap - the Roadrat in flat-barred/long frame guise avoids it because you need more frame stretch to go with the flat bars.