When I am on my recumbent, this 20 inch wheel is right between my legs. In fact just in front of my chimes😉
So when the surface of the road is wet, the front tyre swings a lot of fine moisture just in front of me. So all the road-surface-stuff (from plain water to soaked horse-shit), covers me up (from my chimes to my face).
To minimize that effect, I made a mudguard from an old tyre. Simple and cheap !