SableWyvern
Hero
I overlooked this part of your earlier post, until @Faolyn quoted it.Or the old chestnut about swimming in armor. Your DM rules that you automatically start drowning and sink to the bottom of the lake because of your armor. You've done your homework and you know that it is possible to swim in armor. In the days before easy access to Youtube, how did you resolve this disagreement of plausibility?
We would resolve it through a conversation. As GM, if one of my players was telling me they had reliable research to suggest the penalties were too harsh and the rules were realistic enough for it to matter, I'd probably rule in their favour for now and check their sources later.
As a player, if I was interested enough in the topic to have actually done the research, was wearing armour and knew I was going on the water, I would almost certainly have raised this long ago, rather than waiting until the middle of the game when it suddenly becomes critical. I would not make important decisions based exclusively on my own private research, all the while knowing that it is common for people to think about the topic more strictly and most likely knowing the rules themselves contradict my knowledge.