nothing stops it from taking air into the bypass filter...thats the entire drawback to the system.
The filter wouldnt have to be totally submerged, no. Just drive through a large enough or many puddles and you could suck water into the engine.
Personally, I totally suggest against cai's because of the risk. Then once the bypass is in...whats the point in it at all?
Another option is to cut the intake so in the wet/rainy seasons you run a short intake, then in the dry seasons reconnect the extension w/ a rubber coupler and ring clamps to regain colder air. (This is the same idea as the Iceman intake)
Many people do that
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