Yeah, that would be a nice addition. And maybe a tray that would hold a handful of fuel cans.
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If it can get through the WSP inspection I would say it is good to go. We see it all the time but it applies to everything on the road including vehicles and even motorcycles. Basically, a spray shield half way down the tire . People with lift kits have been cited and with making a dirt bike street legal people have duck taped a cardboard extension onto the rear fender to pass inspection. That's why nice street legal dirt bikes come with a massive rear fender drop which is the first thing to come off either intentionally or bottoming out.