Yeah, people are bad at guessing and the usual "Plan continuation bias" kicks in.

I was travelling in a group to eat lunch with friends once, after heavy rains. We reached a site where the road needs to fit under a bridge and is known to flood, there's standing water, and the driver figured it's probably not too high, he drives in and nope, water over the air intake, bye bye engine and we walked the rest of the way to lunch

I absolutely should have said "No, don't" but the plan says we have to drive under that bridge, there is no plan B. Of course plan A being "Wreck car" is a stupid plan, but the bias meant I didn't say "No" and I should have.

You wouldn't die there, just trash the car, the flooding is localised - but there are definitely other sites around here where in flood conditions you could die if you drove into water that's deeper than you realised.