As long as the air intake stays above the water your pretty good, ya maybe lose an alternator or a sensor, but who cares? Nothing $200 and an hour won't fix, have fun!
Sometimes when fording something deep I get a sensor wet and it seems to stay in 3rd gear, all I have to do is turn it off then back on and it works just fine again.
Just keep up with maintenance: fluids in differentials, tranny, and wheel bearing grease and you should be fine, you don't need to change the fluids everytime or anything just keep up with a higher maintenance, and if you think the water got in something then change out the fluid ASAP.
Check my gallery for "swimming" and I wouldn't advise to go that deep but that is about how deep you can go. 10" is a little puddle, c'mon you own a Vehicross, I would say 20-24" would be a good safe depth. Remember to go slow when crossing water or you will build wake in front of you and that 24" can turn into 36" real quick.
2001 Ironman Daily Driver... 3.5" suspension lift (OME912 springs and 1" spring spacer), ball joint flip, 1.5" front diff. drop, 33"x12.5 TrXus MT, 16x10 Eagle Alloy rims, Interceptor, PV muffler, K&N air filter, Alpine Supercharger, Bilstein shocks, and some trimming.
2000 Ironman Project LS-1 VX... very slow progress but someday....... ohhhhh someday......