Rowdy, my miniature wonder horse, goes through a big puddle left by the morning rainstorm. I am clicking too much because I'm holding the camera while I drive with one hand and can't reinforce with the whip. The other horses I worked with on this day (Chexi, Ed, and Rainy) also practiced going through water.
Below is a clip of Rainy cantering through the puddles, from the view on her back. It was hard work to slog through that wet sand!
Of course a rider would be looking up instead of at her neck.