I played with water and got wet......
It was a place called the Coke Plant in Brampton Ontario Canada, there is this large pond, one one side, any jeep can make it, not that deep 2-2.5 foot dept at the most, on the right side, its way deeper 4 feet (which is alot!) I had my XJ with a snorkel & 3.5" lift and 31's, so I thought that I was all that and a bag of chips!
I started to venture out in the deep stuff, and water was coming over my hood - scary even with a snorkel, however it was my fault, I was in 2nd hi, the XJ started to bog down and stalled right in the middle of all places. after 30 seconds my feet where under water inside, I had to swim out and get the tow strap to hook up, by the time I got back to the Jeep, the water was upto the dash board and my spare clothes were floating in the back seat...lol
got out ok, Jeep ran fine, just the RPM guage did not work for a few mins. had the carpet in so no drain plugs and it was like driving a bath tub full of water. now everthing including my self were dripping wet, the worst part was we made reservations at a local restaurant, which i had to walk in squishing wet, cause my change of clothes were not any better than the ones I had on...
Moral of the story?
Make sure if you go into water, you know how to swim...
My Jeep did not suffer any real negative effects, and is still on the trails to this day. but it can cost you alot, its not a matter of if, just a matter of when.
Jeff