I have often wondered if it were possible for water to enter through the 4WD actuator housing some way. Besides the vent I know on Brute Forces the axle & pinion seal design will allow water to enter from the outside when the static pressure of the water outside exceeds the oil's on the inside. Remember, water is heavier then oil. That intrusion through the seals happens when the diff is under about 8" of water. Food for thought when you are in deep water....with any machine.