greg kaye
Explorer
Others have made the argument that air can be trapped in clothing. In deep ~water it could be a contest of strength/race against time to get clear of the weight.You can't strip off armor quickly. It takes 5 minutes to get out of heavy armor. ...
There are lots of choices when going on a sea-faring or similar campaign. Given a few levels, you might well get water breathing and a swimming speed. It's just at previous stages that characters might need to take more care.I'd just write up a monk or barbarian if I chose to play at all. ..