I have always thought when I heard someone say bumpers when they meant fenders, that they simply aren't as nautical as they could be.
I came across a statement that I have no idea if it is valid, but sounds good, so I'm going to repeat it here.
Here goes.
"A fender is loose and may be moved around where as a bumper is permanently attached."
So, those horizontal fenders I see lashed, nailed or knotted permanently on the sides of some slips, floats and even a few swim platforms and dinghies too, are actually bumpers.
And those funny looking hanging steps are neither.
Just something to ponder.