Was out on some slushy tracks the other day and although there were splashes, I never dreamed there was anything potentially damaging. Fortunately, a FedEx van arrived today with a K&N reusable high performance air filter and some other stuff I'd imported from the US. I opened the Wrangler's airbox and found the lower part, and the bottom of the pancake filter, caked with silt, ingested with one or more of the splashes. Worse, there was some silt on the other side of the filter, caught in the pipe on its way to the engine. I don't think the Jeep's air intake is positioned any better or worse than most other 4WDs so it just goes to show you don't need to be crossing a river to get into potential trouble with water. I vowed not to have a snorkel on the Wrangler, but after cleaning out the airbox, I'm thinking of revisiting that decision.
By the way, with the dollar where it is right now, I landed the K&N filter and a cleaning kit for about half the local shelf price, and that included shipping.