I was out playing in the mud this past weekend. Got good'n'stuck a couple times.
Of course, when you get stuck going forward, you try reverse. Not a good idea in water, at least with big tires. The fender liners do a pretty good job of keeping water out of the fender wells when spinning the wheels forward, but the front part of the fender liners are open... so when you spin a 37" tire with big lugs in reverse, it fills the fender with water.
Then the air filter sucks it all up.
My truck started running crappy - wouldn't rev past about 2350. Felt more like a safe mode (or limp mode) than a clogged air filter, but I checked the filter anyway. Drenched. Dripping. The airbox was filled with muddy water. The MAF was wet, and there was water as far up into the intake tube as I could see.
Now, engines can take some water. Quite a few turbo people run water injection, as it helps to cool the charge. Big slugs of water, though, are a different story. It's easy to snap a con rod if you fill a cylinder with water, because water doesn't compress. I was lucky - didn't hydrolock the motor, and I don't think I caused any real damage. But it would have been easy to.
I really didn't even think about it - that's why you leave the stock airbox in the truck. Lesson learned.
Next mod: Snorkel. And better fender liners.
I ended up pulling the air filter out and driving about 30 miles sans filter to an autoparts store for a new filter. I won't be leaving home again without a spare air filter.
Will somebody take pics of the fender liners (front wheels) from an XE? jhromy tells me they seal completely on the front side. I'm interested in how far they go down, and also how they attach underneath.
Squid reminded me about a post on here probably a year ago, about some guy (Buddy?) who claimed his motor got hydrolocked after a small stream crossing. He was labeled a troll and run off... Can anybody find that thread?

me stuck

me trying to unstick myself

love1u0 pulling me out - notice the white steam/smoke from the exhaust