FWIW unless crossing at retarded levels the concern you have is a what if, maybe, could happen, Real facts, I have crossed when it was almost retarded and it ripped the clutch/flywheel inspection cover off but with a decent shroud that is all 4 sides ( especially the bottom) its a non issue. The worst is the entrance on first crossing, it dips the front about 1/3 way up hood then you level out so its brief, lets put it this way, if the water is high enough to put fan into radiator you got no business attempting a crossing, IMO...