Don't go there mon....
two factors come into play, the obvious is the preparation of the vehicle, electrics can be positioned and to some extent waterproofed, the other less obvious element is technique, in its most basic form, drive at the right speed through water and you can create a bow wave, this will push the water infront of the car creating a low point in the body of water just where your engine is.
if you make it to a Birtys event I'm sure there will be someone who will show you some pointers or depending where your based you might find a p&p site that offer driver training, we do at CBOffroad.
Some of the vehicles that do deep water are seriously modified to cope with it, everything vulnerable is extended out of the way.
dont let these guys scare you........
coopers are cool cooper muds would be my choice if i ever went new