Are there any clip-on fenders that provide as full coverage as bolt-on fenders?
No. In fact the language most have settled on is "full coverage fender" instead of something like "bolt-on fender" for just this reason. Clip-on fenders and Raceblades/Speedez/etc offer a lot less coverage. In particular what they tend to not cover well are your face, your feet, and the bike.

There are various ways of making full fenders work on bikes that have the clearance for them but not the eyelets (this type has become my favorite), and also there's the "reacharound" installation style, which can be okay but is somewhat of a kludge.

Honestly it now more than ever makes absolutely no sense at all to buy a bike intended for rain commuting that can't take full fenders. The options just aren't limited like they used to be.