Now I just have to ask where did you put your cleats?
One thing I did, that I thought would work out great, but that didn't work out as planned (perhaps due to fender size) is this: I tied the fender line around the thwarts, so that the fender hangs just below the rub-rail.
Not a bad location, as it turns out, but the problem I ran into is that the boat would "jump" under the smallish fenders if there's a lot of wave action, with the result that the fender is inboard, where it does no good.
When I was in the store today, I looked longingly at the big ball fenders (about 4 ft diameter). I felt hanging one of those from each of the cleats on my boat (before the mast, cuddy top and aft quarter) would do the trick, and probably provide security for any number of unforeseen cirumstances. If that turned out not to be enough, I'd still have the shrouds to add a spare one.
However, I quickly realized that I was getting into a price range where I could by a new boat
But, perhaps, I should simply conceive of them as extra flotation. Tying one to the mast top would absolutely prevent turtling, I think - that's something that I should factor in when I make my final purchase decision...