TESTS to find out what can cross Water with and without fords..
Ukrainian
I lined up every vehicle in the game and gave them "Move" orders straight across Shallow and Deep fords, and Water.
(Incidentally I'm using Lt. Smash's floating icons mod)
Shallow ford: ALL Ukrainians crossed-
Deep Ford: All crossed EXCEPT the 7 units in the yellow border, they went round the edge.
They were -Oplot(APS), Oplot, Bulat, T-64BV, Tunguska, UAZ469, Ural truck.
Water (no fords): All swam over except the same 7 units-
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Russian
Same setup and procedure as before, no need for as many screenshots.
Shallow ford: ALL crossed-
Deep Ford and Water: All crossed EXCEPT these 9 units- T-90AM(APS), T-90AM, T-90A, T-72B3(APS), T-72B3, Tunguska, Tigr, UAZ469, Ural truck.
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American
Shallow ford: ALL crossed
Deep ford and Water: NONE crossed, they all skirted round the ends
SUMMARY: Surprisingly the Americans are at a tactical disadvantage because they can only cross shallow fords, whereas most of the Ukrainian and Russian unts (but not tanks) are fully amphibious and can swim over rivers whether there's a ford there or not.
Note- in each test 1 or 2 vehicles sometimes bogged in shallow fords but freed themselves within a minute or two, but occasionally a vehicle became permanently immobilised.