For the warranty concerns, I believe it is a real issue if you have a new vehicle, and the dealer is inclined to deny warranty. Goodtimes' scenario is pretty close to it. It's exactly the same situation with performance cars. Yes, the Magnusson-Moss act is supposed to protect us, but the problem is "The Golden Rule": 'He who has the most gold makes the rules.'
The fact is, the dealer makes more money if they get you to pay for the repair. Warranty repairs are done at a lower shop rate, with lower billable hours for a flat rate job, and they also don't make any money on the parts like they do when a customer pays for them.
I believe that is a lot of the reason why dealers even care about the issue. There is of course the case that they'd get in trouble for doing warranty work when they shouldn't, but that doesn't explain the cases when the dealership has BLATANTLY violated the law by not doing repairs.
I remember one case with a guy who had a totally stock 2002 SVT Focus. He had a rear control arm snap in half at the swaybar mount. The dealership told him "There's no way that could happen unless you were abusing the car, so we won't warranty it." This despite the fact that this is a known issue, in fact the 2003 and 2004 SVTF's recieved reinforced control arms from the factory. The guy was up against a wall, he was moving 2000 miles the next week, and needed to have the car running, so he paid.
That's the typical reality for 99% of the people who do not know their legal rights.
The theory that it's just a money issue for the dealer is reinforced by the fact that in many cases, dealers will offer warranties on major engine builds (supercharger installs) as long as they do the work. Despite the fact that superchargers CLEARLY WOULD violate the engine warranty. I've also observed that "good customers" don't have as much trouble with this issue.
It's true that the claimant must prove the case. However, I think we have the roles reversed here. It's up to the CUSTOMER to file a claim that the warranty was justified. The dealer/OEM will use the terms of the warranty contract to defend themselves. That leaves the customer to use SEMA/Magnusson-Moss to attack the dealer/OEM, which will entail a lengthy legal battle.
I will admit however, that every case I've seen of warranty denial has been abandoned WAY too easily by the customer. They usually don't even go as far as getting a letter from a lawyer. The dealer doesn't want a lawsuit either, and it would easily eat up any money the dealer was going to make on the warranty work.
Mine is petrol, and has electronics.
I have disabled the fan on occasion, and forgotten to do so on others, with little difference between the results.
I have never shut the engine off in deep water, but have had it stall more than once. Never had an issue with water up the exhaust. It certainly did not stop the engine from restarting.
Much of the assumptions posted regarding exhausts below water line are just that -- assumptions. While it is probably bets to lift the exhaust if you intend to turn your vehicle into a boat, it is simply not necessary for off road work.
As is mine. I had no problems with the electronics, or the ignition system with water at levels that it got into the headlights. I also had the fan connected, and had no problems with it eating the rad. I believe it's a case by case basis on this. It appears LR designs their trucks with this in mind, as there is a huge amount of clearance between the fan and rad. Others makes, maybe not. Ditto on connectors. Older vehicles have crappy connectors. Newer vehicles are generally better and more weather resistant. GM typically has excellent connectors, other makes may vary.
Now, as for the exhaust... it makes me nervous. Roughly 50% of exhaust gas is H20 in vapor form. If you shut off your engine while it's in the water, the vapor will cool and condense into water with a volumetric ratio of 1000:1. This will act to suck water up the tailpipe. You can do a fun experiment with this. Take an empty pop can, put a bit of water in it and boil it. Quickly take the can off the heat and put it upsidedown in a bowl of water. The can instantly collapses. In this case, water would just get sucked up the pipe.
I believe AntiChris has the measure of it. It's great if you have a snorkel, but if you shut your engine off while the exhaust valves are below the level of the water... you're probably in trouble. I'd drag the truck out and pull the plugs before trying to restart it. Just to be safe.