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Deleted member 5383
After sitting a while in the water there is a possibility that water will have gotten past the axle dust seals and will be sitting trapped inside them. For that reason I suggest pulling off the wheels asap and checking that aspect. I got caught in a similar situation on an XR 400 and the wheel bearings packed up a few months later. There was moisture and indeed some rust inside the dust seals but it had eventually made its way inside the bearing seals.
Which is why I never go LOOKING for long stretches of deeper water. If I have to do crossings and big puddles, fine -- but that's just to get to the other side.