I understand the aspect of not being able to hearth while in the water, but now that oceans are in the game i feel this is now a new dynamic of the game that needs to be looked at by the devs.
I and 2 of my buddies were in a rowboat going up the coast and we were ambushed in the water and could not heart back because we were drowning (taking damage)
Please allow it to work like it does on land and don't give DIS more power because of their knarrs and numbers.
Or for the love of god please put a tutorial in the game that teaches you all the ins and outs of the game.