We have all this water in SecondLife, but only clever clogs who buy specialized HUD's can actually swim in it.
I think it would be great if swimming was a native recreational activity available to all residents from the day they are born.
We'd add animation states so AO makers can make animations for it, avatars would have bouyancy, can slow swim, fast swim, dive etc.
In some rare cases, residents do actually want to walk on the ocean floor, a setting could be added to the viewer to let the resident turn off swimming in water if they prefer for whatever reason.