Equipped with or protected by fenders, such as a vehicle with bumper protection or a boat with protective padding.
From 'fender' (protective barrier, short for 'defender') with the suffix '-ed' (equipped with or having the quality of). Became common automotive terminology in the early 20th century as cars needed protection from collisions.
Old cars with big metal fenders were designed to protect the wheels—modern cars with crumple zones absorbed energy instead, but we still call the panel a 'fender' even though it barely defends anything anymore.
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