Many years ago I explored a road near my house that was closed due to flooding. At one point I submerged my bottom bracket. (Beater Trek 930 MTB.) Hastened the need for an overhaul. I would never do something like that again with any bike of mine. But if you want to lend me one of yours....
I mainly avoid puddles for safety reasons. I was forced into one during a tour last year. There was a giant pot hole lurking beneath the surface. I nearly wiped out (my ass came off the seat and my left hand came off the brake hood) and fell into the path of an overtaking car. I still don't know how I managed to right myself. Instinct I guess. The woman driving looked terrified as she passed me.