I agree swimming in heavy armor is all but impossible.
I disagree this means automatic failure. After all, this is D&D.
The proper way of expressing "you can't do that" is to set a high Swim DC (20 or even 25) and watch the plate fighter swim just fine.
Besides, this still is D&D. Even the fighter that skips the swim attempt can simply walk across the river (on the bottom).
Remember, this is D&D. You can hold your breath for very long durations with no significant consequences, even while you're heavily exerting yourself. A 18 Con Fighter can hold his breath for 44 rounds.
Assuming one foot of movement costs 4 ft (which pretty much strains the upper limit on slow effects) this is enough to cross a 600 ft wide river.
And that doesn't even take trivial measures into account, such as bringing along a small water-proof bag with you. Half way across the river, you stop to breathe for a single round. By RAW, that is enough to completely reset the suffocation counter.
You can easily walk across the bottom of a mile wide river this way, all within the bounds of the rules as written.
Of course, a DM can simply say "you drown" or rein in this approach to some degree, but let's at least acknowledge that applying common sense and real-life physics doesn't make much sense in a game like D&D.