Deeper water can do interesting things to the blades of your radiator fan too, like pulling them into the radiator core... A lot of guys with electric fans put an interrupt switch on the fan control circuit so that when crossing the fan isn't able to start under power (although it's a good idea to wire the thing with a warning setup so you know the fan is off!). It's only an issue if you do a long run and everything is hot and you drop straight into the water - pays to be careful with that one as you won't often realise you've holed the core until you're out the other side and the gauge starts peaking.
Also, the diff and gearbox breathers can create an issue if not extended up into the top of the cab. Crankcase breather vents likewise...
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