76GMC1500 said:
A little bit of water through a motor wont actually shut it down. In fact, it's a great way to remove carbon from the combustion chamber.
It has to be very tiny amount or it can cause major damage!
A 250cc engine with a 12:1 compression ratio leaves only 20.8 cc's of space above the piston at top dead center. If you get 0.7 ounces of water into that cylinder it will completely fill that space and there will be no possible way to turn the engine over. If it happens to be turning 15,000 RPM when that happens you have the "irresistible force vs. the immovable object" problem, something's going to give!
In practice it takes considerably less water to increase the compression ratio to the point that resulting pressure will bend rods, cave the piston in, or crack the head.
Sucking water into the intake can be very, very bad!
Surprisingly, engines seem to survive it much more often than the doom and gloom suggests. In my experience, getting a four stroke going again is a lot easier than getting a two stroke going. On a four stroke you pull the plug and pump the water out of the cylinder. Change the oil. Dry out the ignition and you are good to go.
On a two stroke it is much harder to get all the water out of the crankcase. I have been told that if you turn the bike upside down you can get the water to drain out via the carburetor and/or pump it out the cylinder.
I haven't had the need to do this on a dirt bike yet. I have had to do it on a Jet Ski, and didn't have the capability of turning it upside down.
Getting back to Keith's original question: Trying to set your bike up to run deeper than the 18 inches that 76 talked about is going to be very difficult. I suspect that you would find that going any deeper than that, even if you modified the bike, would be very difficult to ride due to the resistance of the water, the loss of traction and buoyancy issues.
In addition to the water ingestion problem there is also the wet ignition problem. A quick splash through a puddle and you are probably okay. Making a long run up the creek bed will get everything soaked, and even a medium run in water deep enough to cover the engine side plate could allow water into the magneto system.
If you want to avoid ignition problems keeping water out of the wiring is essential. Good gaskets/seals on the flywheel cover. Waterproof connections to the kill switch and coil. A little grease on the spark plug wire rubber boot will seal the spark plug.
It is like a chain, it will only be as strong as the weakest link.
Rod