Wading in any car or vehicle can also:
ruin wheel bearings with poor sealing - see various Fords c2000.
destroy catalysts due to sudden temperature changes cracking the ceramic internals.
and block water and oil radiators with mud or gunge.
Most 4x4s are not designed for serious wading... or serious offroad . If they do not have a low ratio or lockable diffs, you may get stuck in mud in the the deeper water.. And of course you need offroad tyres.
Serious waders have water proofed air intakes (usually roof mounted), ignition systems and high mounted exhausts systems - as back pressure can stop idling engines if deep water.
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