as you say, the only theoretical 'risk' involves electricity being conducted through flowing (pretty 'clean') water, which is probably very unlikely to result in a serious shock - and, as above, the risk of any such shock would be increased by the presence of any touchable earthed metal in the vicinity.
Again, I will have to disagree with you. The difference between making contact with a dry live cable (or similar live part), and water that is live, is the much greater area of contact, plus likely volume of water.

