</font><font color="blue" class="small">( Makes me wonder how deep is to deep ? 6"-12"-24" more ???? )</font>
Well, one of the problems is water getting into the clutch housing, lower than where it would get into the oil. If it gets up to where the oil stick is, the oil should be checked for a milky look. If it's milky, change the fluid and filters.
The clutch housing on Kioties has a drain bolt to let the water out. If there is much water in there, the clutch can rust and stick, but I imagine not much would get in, but not sure.
I know on my tractor there is 12" clearance, and several more up to the oil filler. I've been deep in very wet mud, but didn't have any infiltration into the oil or hydro fluid.
John