Go to a specialist bike shop. See the range, get advice, get the dc measured up. Then either buy from them or online. (Personally I would hope you'd buy from them, keep the small independant specialists open). Lots of lovely gender-neutral bikes available there. Not so many at places like TRU or Halfords. Mudguards usally bought separately on proper bikes. Often variety available as well, different styles and colours of mudguards. More like customising kits, than money-grubbing.