Rule of thumb on an unprepared vehicle is not deeper than the wheel hubs.
the dangers of running in water, and more so for muddy water is the removal of lubrication from moving parts, and the contamination of joints and brakes.
if you intend to play in water, be prepared to do more maintenance.
muddy water will grind away brake pads, especially on drum brakes, and it will act as a grinding paste on any moving part.
Ok, horror story over.
Wading:
The Exhaust can be submerged, completely. as long as the engine is running the exhaust gasses will force the water out. Expect comedy gurgling noises.
The air intake MUST remain above water. Competely above. Hence SNORKELS.
If the engine sucks water it will hydraulic, also know as hydro lock. this is when the cylinders fill with water and the engine locks up due to water not compressing like air can. if your lucky, you pull the plugs and crank it and it clears, if you arent you blow gaskets etc. so watch your intake point.
When wading approach the obsicle at a steady speed, and maintain speed through the water. this will build a bow wave at the nose and create a false low in the engine bay. the bow wave should not brake over the bonnet, if it does, slow down. If the wave dissipates, speed up.
Ive run my old 2.4i fronty through a 2 foot deep fast ford (with a group of other 4x4's, not alone) and suffered no ill effects.
Start small, on puddles and runs you know the depth and lay of, and build from there.
Matt
2.8TDI Sport. - 3" lift, 31" Recip Trials, Roof Rack, High Lift, Winch.