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If a character has a swim speed (a Gillman in this case) and is wearing heavy armor, what exactly does this mean for the character?
I have no problem with saying that the armor reduces his Swim speed as it does land speed, but how does it actually affect his ability to swim?
Does he immediately sink like a stone and have no ability to resurface on his own?
If the weight of the armor is within the character's carrying capacity, and is still a Light Load, can he swim normally?