TheCosmicKid
Hero
Swimming in armor is definitely a problem. Swimming in anything more than a lightweight skintight suit is a problem. There's a reason survival swim courses teach you how to get out of your clothes. Realistically, all the crap adventurers wear and carry would grant them a huge disadvantage even if they don't wear armor. Practically, I assume that the swimming rules assume this disadvantage as the default, and grant advantage to characters who strip down and prepare for their swim.I've had to swim in clothes, and it's noticeable different than in a swimming suit. What experience swimming in armor do those who say it doesn't matter have?
Throw on 40 pounds plus a quilted cloth under that that would fill with water? I don't buy it.
Plus, if swimming in armor wasn't a problem, then how come historically sailors don't wear armor? How come modern body armor has quick release pulls for dumping it if you fall in water?
Regardless, at my table, swimming in armor is a problem. I just have to figure out rules that are simple, and reasonably believable.
What swimming in armor is not is a death sentence. Here's a guy swimming in samurai armor. It's doable. I'd just never want to do it.
So for light and maybe medium armor, I think it's fair to write it off as part of the overall assumed gear in the swimming rules. For heavy armor, calling for DC 15 Athletics checks in smooth water, higher in rougher water, seems simple and appropriate.