When hiking in Iceland 10 years ago, we rented some big ass 4×4.
It was my first time driving off-road and sometimes had to wade rivers.
The safe(r) wade points were often clearly indicated, but it was always a nerve shaking experience: the steering, normally comfortably soft, became so heavy that the first time I thought the servo failed.
Any change in direction or speed required a lot of effort and care and you felt that putting the wheels in the wrong place would have meant being swiped away.
Moreover, even extended insurance did not cover wading accidents.
