The possibility of a hydro lock is so real. just because some have been lucky does not mean it does not happen. My buddy who woke up that day had no plans to hydro lock his 700hp SC mustang. He knew about his filter. He knew about puddles. He just mis judged a single puddle...so easy to do. Bam! Bent rods etc etc. what a mess.
I would never for any reason have my intake any where near the road surface.