I had a little "incident" earlier this afternoon, which ended up with my bike landing half in a river. Unfortunately the half that ended up in the water was the lower half, including the hubs and bb. I was able to pull it out of the water really quickly, probably 10~15 seconds after it hit the water.
How much should I worry about this exposure? I hope that I can finish the season before I have to re-do the hubs.