Speaking of diving, there's an annoying little bug that people like to sometimes take advantage of. If you shoot an arrow at a certain point when someone is diving for loot, it'll actually damage said person and cause them to miss out on their loot.

People specifically started doing this when that little island in the York Town bay area became a pk zone (the tiny island that the draisine track runs by on). I don't know if pk was intentionally turned on in this spot, but it was much better without (it was a nice little hang-out area for looters and random people swimming or riding by on the rails).

But that's an aside. The being able to stop someone from looting thing is the problem I'm bringing up here (and it's definitely a bug, as you should not be able to take damage in water, period).