I have read of many people experiencing problems reloading a saved "underwater" game, although it's never happened to me. Best advice is probably don't save while submerged, within 50km of land or ships (especially those you have just sunk - they tend to re-spawn.
I've been playing the game since it first came out, have installed more mods, tweaks and bug fixes than I care to remember, and run it now on a cutting-edge system. It hasn't been an easy trip though...
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