Budget commuter bike - 40 mm tire clearance with fender

[Theolean]

Hello

I'm looking for budget-friendly commuter bike with about 40 mm tire clearance with installed fender. It should also be possible to install a normal bike rack for bags.

I have seen Mondince FM326 or FM356. Lightcarbon has the 071 (087 is too small). Are there other options? Maybe even solutions that are a bit more budget friendly?