I’m a dam builder.
That’s my problem.
Give me a stream to cross in my writing, I will not wade my characters across. Nope, it would be too expected to have them swim.
Prose in a boat?
Plot in a bridge?
I’m Hoover Damming the thing.
Dramatic, daring… and (usually) damning to the whole story.
Bottom line: Let your characters get their feet wet. (Save the dam building for the beavers.)