Read here about another member's experiences in fording a creek a few years back. Make sure you read post #13, where he lists the components that had to be replaced after this (mis)adventure.

http://www.xoutpost.com/x5-e53-forum/...f-roading.html

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2007 X3 3.0si, 6 MT, Premium, White

Retired:
2008 535i, 6 MT, M Sport, Premium, Space Grey
2003 X5 3.0 Steptronic, Premium, Titanium Silver
2002 325xi 5 MT, Steel Grey
2004 Z4 3.0 Premium, Sport, SMG, Maldives Blue