Yeah, where I live we get in a normal year, 7 inches of rain. But that means as a commuter, you still ride in the rain at some point. Good fender on the front wheel will do the trick of course.
But I found I rode through water a lot. With that little rain, puddles from sprinkler systems every morning. :lol:
Easy enough to put the water bottle somewhere else. I came to like mounting one on the bars, usually on the stem itself.
the CG does not need to be that low, but with no fender, the underside of the bar, the top side of the bar, same thing really as far as spray goes.
We're nit picking you of course, Its what we do. I still like the small front wheel for climbing. After about ten years of nit picking my builds, I came up with the perfect bike for me, which then proceeded to burn my garage down. It featured a long tail with motorcycle saddle bags for carry it dry cargo capacity, small rear wheel for better climbing, and additional battery trays mounted on both sides of the seat post for better CG. Both batteries just far enough from the wheels to avoid the spray. Loved that bike, till it burned up.