Any dirt that sticks to a fender COVER will also
stick to a fender. But it's a lot easier to clean a fender cover than a fender--toss covers into the clothes washer after pretreating with a good degreaser. And I don't think they fall apart in TX any faster than they do in GA or FL. Fender covers are easy to make, btw..Sunbrella is good, especially if you think the covers MUST match your sail covers, but denim is easier to work with and easier to wash. Just cut the fabric to cover the fender end-to-end completely, plus about about 4-6" depending upon the diameter of the fender. Turn each end twice deep, creating a deep enough hem to run a 3/8" poly line drawstring through it at each end...stitch up the side, and you're done.Even I can sew well enough to do that, and I'd flunked making an apron in 8th grade home ec (my muffins got a A, though).