if you go with a d40 take plenty of recovery gear
That's exceptionally good advice. Never ask to be recovered with someone else's gear - have your own, and use that instead. D40 owners will appreciate not having to pull your ass out of the sand with their own gear.
Seriously, you SHOULD take some recovery gear with you. These include:
* Long-handled shovel
* MaxTrax or similar for sand/mud
* An excellent air compressor (not a good one, get something better)
* A good tyre deflator or set (and check that they work properly before you go).
* A rated recovery point on each corner of the vehicle is just good sense (unless you get a hitch receiver and bullbar with winch). Always carry an equalisation strap.
* a 4WD course is worth ten times what you pay for it
Some simple rules:
1) If you can't see the bottom you will HAVE to walk it, regardless of what might be swimming in it.
2) If you CAN see the bottom, remember it's twice as deep as it looks
3) If the water's flowing faster than you can jog then it's not worth entering (this varies on depth)
4) Whether you can see the bottom or not, a wading bra is almost essential
5) Don't stop in the water
6) If the water is salty, hose the car thoroughly as soon as you get home
7) If the water is muddy, hose it before you get home. Car Lovers will hate you.