So i have a few reasons to wonder about this. Mainly its just been curiosity. But now as im looking at and planning parts pf a quest i kinda need to know. Are there rules for combat in water? I ask because merfolk have this:
Sea-born:
To most mortal races the sea is a dangerous expanse... as risky to cross as any barren desert, if not more-so. To the Merfolk, it is quite simply home, and while in its waters they are in their element. As such, Merfolk are fully capable of both casting spells and engaging in combat while underwater, and suffer no 'man overboard' effects or penalties during Naval combat.
So they can engage normally. But is that saying that other races just cant engage in any combat in water? If not is there a penalty system in place for water combat? If not id like to work on one with the Dev team and submit an idea for this as it might not be common to come up, but i believe its relevant enough to have a specific system in place.