I've been working on the wheels (tires, tubes, truing, brakes) in the past week, and I just want to report something I've noticed on my military, which others may or may not agree with..
When you have to take off the rear wheel, I actually find it easier to remove the entire rear assembly (mudguard, panniers, frame) than just the mudguard itself.
The first time, I got the mudguard off, no problem but replacing it took me hours of wrestling... it just did not fit well with the pannier frame!
(This could be a frame irregularity, of course, specific to my bike)
But removing two extra bolts, and taking the whole rear assembly off, I have found to be much easier and quicker... as well as less likely to damage the paint.
Just my opinion...