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You could also use Success with Woe (p131) assuming the risk level of the endeavour is "Standard" and not too hard. So if they failed you could say they did swim across but at the cost of gaining fatigue.

Harlath's article is really good and covers advice or hints for a lot of different encounters. Looking at the OP with a deliberately simple POV (i.e. mine!): this is all subjective and comes from my personal impressions of combat so far. Largely with starter characters of course! 1. Since Starting ...