I did have a lucky escape.
after that trip, I was doing the usual checking and servicing and noticed that on taking the airfilter out, the bottom of the air box was coated with a thin film of mud. HOOO boy, that WAS close.
Musta happened when I was giving the wee twuck it's first swimming lesson, poor crittur was very close to drowning!!!
soooo... first view is the position of the intercooler and primary air intake.
air intake is to the left as you look at it, at the same level as intcool.
next...
inside engine bay. rad is to the left, the intcool is directly in front. the round hole is OUT from primary air scoop leading to airbox.
you can see the problem looming up, cantcha?
the solution, albeit temporary until I get a few more sctratches and dents
if mud and water get THAT high, I am in serious schtoock!! will need help then, want I?
Further benefit, with the factory airbox remooved, I get a nice large place to put something, maybe a compressor? any ideas?
no way thats gonna get drowned...unless you go a little toooo deep 
and you'll be alright
Thats looks like the story!!!!