Guild Wars 2

All too often I am finding myself fighting aquatic monsters near the edge or the surface of water and dying because of shallow water. I’ll perform a maneuver or get knocked back and suddenly I have, not different weapons, but no weapons at all because I am “on the surface” of the water. This completely disables me, especially in light of the fact that it seems to have no discernible affect on any of the monster I am fighting.

Either players need to have access to their underwater weapons at all time when in water, or monster need to similarly have a complete disability in shallows. The combination of having all your skills taken away and having them retain full capability is simply untenable. It is basically instant death the second you get in this situation unless you have a group with you and that group is paying attention.

I definitely agree with this, happens to me all the time.
Also, the opposite, fighting on land/shallow water, and accidentally walking into deeper water, losing your weapons.

Yes that too. The point is there should not be an arbitrary and sometimes uncontrollable circumstance outside of an explicit enemy ability where we lose all combat capability.