Let me add one more consideration:
If you're by yourself and fall overboard, any ladder that you can't reach from the water is worthless.
You need one attached to a swim platform or some other type, such as one affixed to the transom directly that folds down.
Also keep in mind that you may be cold, tired, or in some state of shock and not fully capable of climbing with all your normal strength and agility.
And as we age and (for some of us, anyway) get heavier, less agile and muscular, climbing out of the water fully clothed becomes a more and more difficult task.
I can tell that the difference in my case is considerable between the time I retired ten years ago and the present. And if I lived in the PNW, I might not have ever gotten into the water to find out, but here on Shasta Lake where the water temperature reaches 78 or more degrees in the summer, one gets wet a lot just to cool down. Have you tried to use a ladder to re-enter the boat lately?
And what Bob says about wide platform steps and stand-offs is really important: you don't what to be fighting a cheap ladder while you're trying to save your own life.
I've got a three step one on the transom of my boat for emergencies and another four step one kept inside for swimming, since it's easier not to have to re-enter over the transom, engine well, and mounted cooler!
If i'd thought about it, the ladder off my bow for beach access when ashore would have another rung or two to to be deep enough in the water to allow entry from the water in an emergency.
Joe. :teeth :thup