If the pumpkin is splashing thru the water you are almost guaranteed water will find its way into something with oil. And if you hear the exhaust bubbling under water. yeah water is coming in. But the easy solution is to change fluids, diffs, tranny, transfer case, after every water excursion. If there is water in it it will be obvious. If not, just put the oil back in.What is the lowest danger area that I need to go measure and make sure I stay under it?
Off roading is not cheap.