I think pretty much anybody who drives mud or hunts in Fl. swamps has a water in engine story.
Mine was my old F150.
May have told it here before.
Last day of hunting season, I am headed home. Its about 35 degrees and slowly getting dark.
I'm cutting through the woods going down a graded county road. I had unlocked my hubs, since I was not going through anything bad and would hit the highway soon.
Came to a wide mudhole in the road. I could see where other folks had been driving across it, and it just looked like a backed up culvert.
Drove off in it, and the culvert in the middle collasped.
The water came up to the top edge of the front of the hood. Headlights and fan went under..
I didn't want to get wet, since it was cold, so I climbed out the back sliding window, across the top, and lay across the hood trying to reach my hubs.
Finally had to get a rope out of the toolbox and hang head first across the side holding on to the rope to reach my hubs.
Tried 4wd, did no good at all. Neither front tire was touching anything solid.
Took off my shoes, socks, and pants and slid into that darn cold water. Grabbed my winch cable and waded ashore.
Stomped barefooted across a ditch with briars and hooked to the first little tree I came to.
Put the winch in gear and started trying to pull myself out.
Tree leaned over and fell, but somehow the roots jammed and it held. I had the tires turning in low range, so as soon as the fronts got against the other side of the culvert, they climbed out.
Of course, the tree had fallen across the hook, so I wound up cutting it in two to get my cable loose.
Just wrapped the cable around the winch and got in to warm up.
The engine had been running all this time. I put it in gear, started off and it stalled. Ford positive engagement type starter. I had had to crank it in the mudhole once, and the starter worked fine.
But, when I did, it opened the field shorting contacts, and mud got between them. So now, it could not short the one field and so the Bendix would not pull in.
Starter would spin just fine, but would not engage the ring gear.
Got on the CB, way before cell phones, and got someone to call my house. Friend came and hooked to my winch cable and towed me to the highway.
We left it there, and my mechanic and I came back the next afternoon and towed it back to the shop.
Replaced the starter, cranked it and pulled it over out of the way.
It sat from that Monday to about Thursday. I went out to check the oil and found rust about halfway up the dipstick.
I immediately did like thatK30guy did, changing the oil a couple of times. It ran just fine.
I drove it off and on for about a month, but started getting nervous. I tend to drive places I would really hate to have to walk out of.
I asked, and my mechanic said he could drop the pan without pulling the engine.
I could not stay and watch, but when I got back, he handed me some engine bearings.
He said that the crank looked OK, but the bearings were pitted. He put in new mains and rod bearings
Plasigaged everything, and closed it back up.
I never have figured out how the bearings were pitted and the crank was OK, but I drove that engine for another 30K, swapped in a blueprinted engine that I got a heck of a deal on, and gave that engine to my mechanic.
He stuck it in another truck, and got well over 80K before he sold it to someone.
.....and another reason I don't like mud anymore 
