I use/used a Canvas Tarp before, Made (With Zip Ties mostly) to fit for the front of my Old XJ and readjusted for my TJ. It doubles as my ground sheet.
I only bother if the water is pretty high or the crossing is long.
Mate has his Mav Ute setup with a Switch on his dash to cut off his fan.
Never seen a cord solution, but it sounds like a good idea.
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Four-Wheel-Driving; The only sport you pay good money to go slower.
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