You need to know where your limit is, and this is the air intake.

As yuo ride you will creat a bow wave (not nearly as obvious as a car/ 4x4) and there is a dip in the water behind it. But this is very very difficult to gauge or advise for a bike. If you are running very slowly, say a river or huge pot hole then you won't be going at enough speed to creat anything and have to rely on the water level being constant. On road you can 'get away with it' sometimes (I have once - but the water was fast flowing and there was no way I was stopping!)

Whenever I hit water (deep water) I keep my thumb over the kill switch, and at the slightest hint of getting water into the engine I kill it. You're wet anyway, so it doesn't matter to you!

I've never managed to drown an engine, my view is it's better to pull the bike out and get it started and on your way, than risk it then spend time at the road/track side working on a bike getting colder and colder.

In the water is the place where you regret removing the snorkle!!!

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Never underestimate the power of stupid people in large groups.