Lo-Fi Games

I know this has been touched on before, but I had a slightly different issue with it. Recently I find that if my people are fighting and they back into toe deep water, they will just stop fighting and wait to be killed. Like wise if they are attacking someone that is in the water, they will just complain that "He's in the water" and do nothing.
This is especially frustrating when the opponent, mainly robot spiders or dogs can still attack from the water. So my people stand there and just die.

If I'm standing in water that is not deep enough to force me to switch to swimming, then I should just get a penalty to my dodge. That is fair as fighting in water is tougher.

When I'm actually to swimming I should get like a 50 point penalty to attacks. So only the best fighters would be able to attack while swimming. And greater penalties to dodge as well. But I should still be able to block, as that is the only thing that you can do semi effectively when swimming.

At would make fighting in water more difficult, but still feasible. It would also allow for more strategy when fighting, like luring your lighter faster opponent into the water where they lose their dodge skills.

I can see adding spear fishing on top of this.

Have a guy with a pole arm weapon, that would also have bonuses for water fighting, go out and fish.