I'm trained in hand and power tools so I'm fully confident I can remedy any rub or rattle. However, the best mechanic in the world can still find on a ride on less than ideal road surfaces that said rubs and rattles can occur.
Anyway, if you'd read my orignal comment you'd know I have SKS Raceblades and these do not require tools of any sort to fit or adjust.
That aside, quite why anyone has a need for mudguards during a heatwave or in fact any period of dry weather is more to the point I was making.