I try staying out of deep water and mud... that stuff takes more of a toll on maintenance, like brakes, ds, trannies and engines. Last summer I watched a guy go flying thru a paddle to get a cool pic.... well that cool pic, costed him about $2k to get his engine fixed, since he managed to get it hydrolocked and cause some internal damage.
I typically stick to rock crawling and some trail riding mabe a lil mud/water here & there, but the cleanup afterwards is a pain is the arse...
No I think what Jerry is saying is that would be the deepest you could if needed.
Check out the state forum threads and see whos in your area and what clubs are near there. Tons of people on here are always going to RC for wheeling trips, I know I will be next spring & summer