Well it's only the 3rd of Jan and the 'opinionated Miserable Fuck' award has already been claimed
And you don't have 'fucking' opinions?
The OP wants to protect against the unplanned 'possibility' of riding through deep water.
It's a sodding non-issue if you're not planning to ride through deep water - just don't do it!
He's not planning to cross the fucking Amazon basin or enter the Paris fucking Dakar - he's worrying about something that will never happen if he just makes the fucking choice to not do it!