Re: did I screw up
Yes and no. It's fine for now, but it will wear out quickly, at which point you'll have PT wood touching your hull. How big a problem that is depends on whether you have an aluminum boat. I'd probably just rip off as much of the carpet as I could then recover the bunks with bunk carpet. If you don't want to do that right away, and I wouldn't blame you if you didn't, you can use it like that until the existing carpet no longer covers the bunks and then deal with it. Either way, no biggie.