I found out on our last ride, my wife likes to put her feet up on the fenders when going through large puddles on the trail. The water just seems to spray just right, up through the floor boards! And she Does like to hit the puddles.

I knew the paint would probably get scratched, but let her have the fun.
So to prevent damage in the future, I got some of the clear stone chip protection film you see on the front of cars. I made some templates of the area I wanted to cover, and cut the film to fit. Goes on easy with a spray bottle of soap and water,and a small squeegee made for the job.
It should keep it looking good for resale value. I can always replace it if it gets worn.

You can find the products online, but I got mine from our bodyshops’s pinstriper. A 24"x24" piece was plenty to do all 4 fenders. You don’t even notice its on there, and I did go right over the safety decals.