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My step-dad's Durable and Medical POAs list my mother for both, then followed by my younger step-brother and older step-brother. My having her POA makes me wonder if am my step-dad's POA by default of my mother being determined incopetent by her doctors and I am her POA, but Durable and Medical.

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The way you have described your step fathers POA's would make your younger step-brother and then older step-brother the sucessors to your mom should she be incapacitated, or choose to step down for any reason.

Without seeing the document, I am only going on what you have written, but as such you are not named, therefore you would not assume your mother's position by default.
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