Don't laugh until you try it!
30 years ago when I was racing a Hagon short circuit bike I had a problem with mud blocking the fins on wet days. The front "fender" was only about 12" long so it was of no use. The problem is that mud/dirt/water doesn't come from the top of the wheel. I found that attaching a small rubber flap in front of the down tube and just below or level with the bottom of the barrel stopped everything flying up into the fins. The flap was a "fender extender" from a bicycle, about 3" wide and 4" long. Placed horizontally it didn't interfere with the wheel at any time. It was stiff enough not to be pushed out of shape and most importantly it worked.
A small flap attached to the top of the bash plate would do the same thing.
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