10 years no gutters and no problem. I racked the mulch back from the house about a foot and the run off of rain from the house makes only a small impression. I though of putting in some stones from the big box stores (or putting the mulch back) but I am too lazy and see no need for it.
Since you do not have a basement I would skip the gutters, or at least go a couple of years and reevaluate.
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