Stephen William Napier - How many wives? I think he may be conflated:

Mary "Polly" Napier
Mary Napier
Mahulda Napier

https://www.findagrave.com/memorial/155421227/stephen-napier has Huldah and there are links at the bottom of the memorial page that go to census records etc at Ancestry.
1860 census:
Stephen and Hulda
https://www.ancestry.com/sharing/7738762?mark=7b22746f6b656e223a224...

attached is a son Stephen W. Napier and there are problems

Stephen W. Napier
Gender: Male
Birth: April 19, 1849
Perry County, Kentucky, United States
Death: April 18, 1920 (70)
Perry County, Kentucky, United States
Place of Burial: Perry County, KY, United States
Immediate Family:
Son of Stephen William Napier; Mary "Polly" Napier (Holliday) and Mary Napier (Williams)
Husband of Winnie Napier (Allen) and Martha "Patsy" Napier (Campbell)
Father of Irvin Napier; Abijah Napier and Newton Campbell
Brother of Micajah \ McCager S Napier; Prudence Gillina Conley (Napier); Leaner Engle (Napier) and Abby Napier
Half brother of Amos Sonny Napier
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Winnie Napier
Winnie Allen
FamilySearch Family Tree
Birth: Mar 18 1848 - Stacy, Perry, Kentucky, United States
Death: Apr 8 1916 - Perry, Kentucky, United States
Parents: Samuel Allen Sr, Susan Ann Allen (born Sizemore)
Spouses: Stephen W. Napier Jr., Capt. Henderson Mathew Combs